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Your Monthly Payment
Refinance with DNCU - rates as low as 2.99% APR*
Why now is the time to refinance
Whether your goal is to lower your monthly payment, save money over the length of your loan or simply own your vehicle sooner, refinancing with DNCU is the right choice for smart consumers. For a limited time, you can benefit from rates as low as 2.99%* APR and a $150 cash bonus* when you refinance your vehicle loan.
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Lower your monthly payment
Free up funds for other financial obligations by lowering your vehicle loan’s interest rate and monthly payment.
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Save money
An improved credit score, market changes and other factors may make a borrower eligible for more favorable terms including a lower interest rate.
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Own it sooner
Looking to own your vehicle sooner? New finance terms can shorten the length of your loan and eventually stop the monthly payments altogether.
What You Need To Know
When refinancing your vehicle loan, you will need the following documents. Please bring these documents with you to your in-branch appointment or have them on hand when completing your online application, to speed the process of your decision.
- Proof of your Current Auto Insurance
- 10-day Pay Off Quote from Current Lender, with Account Number
- 2 Recent Paycheck Stubs
- Copy of Current Vehicle Registration
- Copy of Valid Driver License for All Borrowers
- Mileage of Vehicle
Getting the best deal
Refinancing makes the most sense when you prepare and compare.
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Be prepared
Your credit score, desired monthly payment and desired length of loan are important details to have ready when seeking a refinancing deal that works for you.
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Compare offers
It’s easier than ever to compare refinance offers side-by-side. Be good to yourself — consider more than one or two offers to be confident that you have found the best deal.
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Look beyond the monthly payment
Consumers often receive offers based on an attractive monthly payment. Be sure to get the full details — there’s more than just a monthly bill to consider.
Current rates
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Model Year |
APR*** as low as |
APR*** as low as |
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DISCLOSURES Loan Rates are current as of December 1, 2025. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details. ***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at any time without notice. Please contact a lender for detail on current rates and terms. Offer is subject to credit approval. Your approved rate and APR may be higher or lower based on credit, term, loan amount, or collateral. Loan subject to $37 processing fee. APR shown assumes term of 36 months, $20,000 loan amount, clean title, LTV not to exceed 125%, minimum FICO score of 760+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. Electric & Hybrid Vehicle Program – Max Term 84 Months, Discounts cannot be combined -0.25% Auto Loans – LTV <90% not including GAP, MBP or DP) ****Tier 1, $25,000 Max, No Luxury Brands, 100k Maximum Miles, DTI 40%, PTI 15% *****Tier 2, $35,000 Max, DTI 45%, PTI 15%, Add 1% for Mileage over 100,000 |
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Model Year 2022-2025 |
APR*** as low as 3.99% |
APR*** as low as |
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Model Year 2021 or older |
APR*** as low as 6.19% |
APR*** as low as |
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Model Year First Time Buyer Auto Loans Helping Members with limited or no credit to purchase vehicles. |
APR*** as low as Tier 1**** |
APR*** as low as Tier 2***** |
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Model Year 2022-2025 |
APR*** as low as 11.24% |
APR*** as low as 11.24% |
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Model Year 2021 or older |
APR*** as low as 12.64% |
APR*** as low as 12.64% |
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Model Year |
APR*** as low as |
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DISCLOSURES Eligible Types: Dirtbike, Personal Watercraft, Jet Ski, Snowmobile, ATV/UTV, Side-by-Side, Sportbike, Enduro/Dual Sport, Motorcycles like Harley-Davidson & BMW, Personal Utility Trailers, Horse Trailers w/o Living Quarters, Small Tractors & Equipment. Loan Rates are current as of December 1, 2025. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details. ***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at any time without notice. Please contact a lender for detail on current rates and terms. Offer is subject to credit approval. Your approved rate and APR may be higher or lower based on credit, term, loan amount, or collateral. Loan subject to $37 processing fee. APR shown assumes term of 36 months, $10,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO score of 730+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. ¹Model 10+ years old |
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Model Year 2015 - 2025 |
APR*** as low as 7.49% |
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Model Year 2014 or older1 |
APR*** as low as 8.49% |
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Model Year |
APR*** as low as |
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DISCLOSURES Eligible Types: Travel Trailers, 5th Wheels, Class A, B & C Motor Homes, Pop-Up Tent Trailer, Truck Camper, Toy Hauler, Horse Trailer w/ Living Quarters & Boats. Loan Rates are current as of December 1, 2025. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details. ***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at any time without notice. Please contact a lender for detail on current rates and terms. Offer is subject to credit approval. Your approved rate and APR may be higher or lower based on credit, term, loan amount, or collateral. Loan subject to $37 processing fee. APR shown assumes term of 120 months, $15,000 loan amount, clean title, LTV not to exceed 115%, minimum FICO score of 730+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. ¹Model 10+ years old |
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Model Year 2015 - 2025 |
APR*** as low as 8.24% |
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Model Year 2014 or older1 |
APR*** as low as 9.24% |
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Type of Loan |
APR*** as low as |
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DISCLOSURES Loan Rates are current as of December 1, 2025. Loan Rates and Fees may change at any time without notice. Please contact a member services representative for details. ***APR= Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at anytime without notice. Please contact a lender for detail on current rates and terms. Offer is subject to credit approval. Your approved rate may be higher based on credit, term, or collateral. APR offered assumes term of 120 months, clean title, LTV not to exceed 95%, minimum FICO score of 730+, and must meet debt to income requirements. Other terms and conditions may apply. Speak with a lender regarding the specific requirements. 1Eligible Types: Single Wide & Multi Wide Mobile or Modular Homes that are not permanently affixed to real property. Title must be active. For permanent foundation Mobile Home loans, see Mortgage Loan Info. |
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Type of Loan Mobile Home (Up to 20 years old) |
APR*** as low as 10.18% |
Get refinanced today
Ready to get started? Apply online now to get the details of your new low interest and hassle-free vehicle refinance with DNCU.
Join us
(877) 818-3628 toll-free.
Disclosures
¹Model 10+ years old OR more than 100,000 miles.
*APR= Annual Percentage Rate. This is not an offer for credit. Rate may vary based on credit approval, collateral, or terms requested. Rates advertised may change at any time without notice. For new loans: will only offer loans to borrowers who move existing loans from an outside source. Cash bonus available for refinanced loans above $15,000.