Personal > Vehicle Loans > Vehicle Refinance

road between espanola and santa fe

Vehicle Loan Refinancing

It’s time for a better deal.

RatesApply now

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.

  • person driving car and giving a thumbs up

    Lower your monthly payment

    Free up funds for other financial obligations by lowering your vehicle loan’s interest rate and monthly payment.

  • motorcycle on empty road

    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.

  • friends in car with smiles

    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.

Couple Stands Next To New Truck Purchase

My husband and I have been dreaming about getting a small camper trailer to travel. It’s been in the planning stage for years. Although I grew up camping, my husband has never really traveled. Being able to get this Dodge Durango as a tow vehicle is a huge step towards our dream. Thank you for helping us make our dreams come true.”

— Laura A., DNCU Member

Current rates

New and Used Auto Loans - Cars & Trucks

Model Year

APR*** as low as

DISCLOSURES

Loan Rates are current as of September 13, 2021. 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 730+, and must meet debt to income requirements. APR assumes a .50% discount for automatic payment and full payroll direct deposit. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

¹Model 10+ years old OR more than 100,000 miles.

Model Year

2011–2021

APR*** as low as

1.86%

Model Year

2010 or older1

APR*** as low as

2.86%

APPLY NOW

Powersports

Model Year

APR*** as low as

DISCLOSURES

Eligible Types: Dirtbike, Personal Watercraft, Jet Ski, Snowmobile, ATV/UTV, Side-bySide, 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 September 13, 2021. 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. APR assumes a .50% discount for automatic payment and full payroll direct deposit. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

¹Model 10+ years old OR more than 100,000 miles.

Model Year

2011 - 2021

APR*** as low as

3.74%

Model Year

2010 or older1

APR*** as low as

4.74%

Apply Now

RVs

Model Year

APR*** as low as

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 September 13, 2021. 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. APR assumes a .50% discount for automatic payment and full payroll direct deposit. Other terms and conditions may apply. Speak with a lender regarding the specific requirements.

¹Model 10+ years old OR more than 100,000 miles.

Model Year

2011 - 2021

APR*** as low as

4.79%

Model Year

2010 or older1

APR*** as low as

5.80%

Apply Now

Mobile Home Loans

Type of Loan

APR*** as low as

DISCLOSURES

Loan Rates are current as of May 17, 2021. 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.

Type of Loan

Mobile Home (2021–2011)1

APR*** as low as

4.77%

Type of Loan

Mobile Home (2010 or older)1

APR*** as low as

5.77%

Apply Now

Getting the best deal

Refinancing makes the most sense when you prepare and compare.

  • credit scores and reading glasses

    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.

  • with person looking-at-twoptions with arrows pointing at opposite sides

    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.

  • sales agreement

    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.

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.

Apply nowDNCU membership has its advantages. Join today.

Join us

Become a DNCU member
Apply now
Stop by one of our branches
Find your closest branch
Call us

505-455-5228 or
(877) 818-3628 toll-free.

Disclosures

*Annual Percentage Rate.

¹Model 10+ years old OR more than 100,000 miles.