Personal > Vehicle Loans > Vehicle Refinance

Vehicle Loan Refinancing

It’s time for a better deal.

To better serve you, our online link has a new look!

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.

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

Getting the best deal

Refinancing makes the most sense when you prepare and compare.

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.
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.
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

New and Used Auto Loans - Cars & Trucks
Model Year	APR*** as low as
DISCLOSURES Loan Rates are current as of October 1, 2024. 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)
Model Year 2021-2025	APR*** as low as 6.39%
Model Year 2020 or older	APR*** as low as 7.69%

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Powersports
Model Year	APR*** as low as
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 September 10, 2024. 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
Model Year 2014 - 2024	APR*** as low as 7.49%
Model Year 2013 or older¹	APR*** as low as 8.49%

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RV
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 10, 2024. 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
Model Year 2014 - 2024	APR*** as low as 8.24%
Model Year 2013 or older¹	APR*** as low as 9.24%

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Mobile Home Loans
Type of Loan	APR*** as low as
DISCLOSURES Loan Rates are current as of September 29, 2023. 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 (2024–2014)	APR*** as low as 10.18%
Type of Loan Mobile Home (2013 or older)¹	APR*** as low as 10.18%