Personal > Vehicle Loans > New and Used Auto Loans

New & Used Auto Loans

Your next ride is one click away.

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

Three steps to ignition

DNCU keeps it simple — you find the ride of your dreams and we’ll secure the best financing terms possible with no hassles.

Shop
Search and shop for your next auto or motorcycle on your favorite sites or at trusted dealerships.
Sign
We keep the red tape to a minimum — apply and sign documents completely online or call upon us for help.
Drive
Our turnaround times are minimal — you’ll soon be on the road with the confidence that our loans provide.

Things to consider when applying for an auto loan

DNCU offers more than vehicle loans. Our loan officers provide free advice and guidance on all major purchases.

Down Payment
Consider a 20% or higher down payment on your vehicle to prevent becoming “upside down” on your auto loan

Calculate your ideal monthly payment plan
Monthly Payments
Vehicle owners should avoid spending more than 10% of their take-home pay on a vehicle loan

Calculate your ideal monthly payment
Check The Details
Considering all the factors in vehicle financing is important before signing on the dotted line.

Get tips from the DNCU blog

Current rates

New and Used Auto Loans - Cars & Trucks
Model Year	APR*** as low as
DISCLOSURES 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, $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 2021-2024	APR*** as low as 6.39%
Model Year 2020 or older	APR*** as low as 7.69%

APPLY NOW

How much will my vehicle payment be?

If you buy a new vehicle worth

Disclosures

APR = Annual Percentage Rate

Calculator is hypothetical based on assumption and may not reflect your actual rate. Calculator is for informational purposes only and not an offer for credit.

My 21 year old son financed his car purchase with DNCU and the process was so easy and smooth. We really appreciated the fast communication and the hard work to get him approved. He drove home with his new car that day, and we were so thankful for DNCU.

— Melinda S., DNCU member