You must be eligible for DC Credit Union membership to receive an auto loan, recreational vehicle (RV) loan, or specialty vehicle loan. Before you apply, please confirm that you meet one of the following requirements:

DC Credit Union membership is available to people who live, work, worship, or attend school in Washington, D.C., or Prince George’s County, Maryland. Businesses and other legal entities located in either area may also qualify.

Eligibility also extends to DC Credit Union employees, community volunteers, eligible family or household members, certain organizations connected to eligible individuals, and spouses of people who died while within the credit union’s field of membership.

To make your application process faster, please have the following documents on hand:

• Identification: Valid driver’s license, state ID, passport, or military ID
• Social Security card or ITIN documentation
• Proof of income: Recent pay stubs (last 30 days), W-2 forms, or tax returns
• Proof of residence: Utility bill, lease agreement, or mortgage statement (within 60 days)
• Bank statements: Last 2-3 months showing account activity
• Employment verification: Contact information for your employer or offer letter if recently hired
• Down payment funds: Proof of available funds if making a down payment
• Vehicle information: VIN, purchase price, and seller details (once a vehicle is selected)
• Trade-in documentation: Title and registration if trading in a vehicle
• Proof of insurance: Insurance binder or policy declaration page

Yes. Pre-approval can help you understand your financing range before you pick a specific new or used vehicle. That gives you a clearer budget before you visit the dealership, compare prices, or talk through payment options.

You can fill out your application in 15-30 minutes. We usually make decisions within 24 hours or less. Final approval depends on how quickly you can get us the documents we need.

To make your application process faster, please have the following documents on hand:

• Identification: Valid driver’s license, state ID, passport, or military ID
• Social Security card or ITIN documentation
• Proof of income: Recent pay stubs (last 30 days), W-2 forms, or tax returns
• Proof of residence: Utility bill, lease agreement, or mortgage statement (within 60 days)
• Bank statements: Last 2-3 months showing account activity
• Employment verification: Contact information for your employer or offer letter if recently hired
• Down payment funds: Proof of available funds if making a down payment
• Vehicle information: VIN, purchase price, and seller details (once a vehicle is selected)
• Trade-in documentation: Title and registration if trading in a vehicle
• Proof of insurance: Insurance binder or policy declaration page

Yes. DC Credit Union offers financing for new, and used vehicles. You can compare both options and choose the vehicle that best fits your needs, budget, and timing.

Your pre-approval is good for 60 days. That gives you time to shop for the right vehicle without pressure while you know exactly what you’re approved to borrow.

Look at more than the sticker price. Compare the monthly payment, loan term, insurance cost, taxes, fees, possible repairs, and how the vehicle fits your regular budget.

Yes. Both are optional add-ons. GAP covers you if your car is totaled or stolen. Debt Protection cancels or reduces your monthly loan payment or outstanding balance should you face an unexpected life event such as death, disability, involuntary unemployment or family medical leave of absence. You can add either or both to your loan. Just let us know you’re interested when you apply.