Common sense auto loans made for you
- Low, competitive rates
- Available for new or used autos
- 100% financing available
- Terms up to 60 months
- Counts toward CU*Perks eligibility
- May be eligible for Debt Protection
- Rate reduction available with direct deposit and payment distribution or direct debit
Reclaim your freedom and mobility.
Rates as low as
*APR = Annual Percentage Rate. Rates are based on creditworthiness and not all borrowers will qualify for the lowest rate.
NEW AUTOMOBILE LOAN
USED AUTOMOBILE LOAN
RECREATIONAL VEHICLE LOAN
Calculate the cost of car ownership
TRUECar is our online car-buying service, an online showroom featuring thousands of vehicles of virtually every make and model. Without searching car lots and dealerships, you can research new and used vehicles, see what others have paid, and find the very best deal for you.
Should you ever get into an auto accident or have your vehicle stolen, you would still be liable to pay the difference between the insurer’s settlement and your remaining loan balance. Guaranteed Asset Protection (GAP) coverage pays the difference so you don’t have to. We offer GAP coverage at a discounted price of $514 to our members for DC Credit Union auto loans. Ask for details when you apply!
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.1 You’ll have peace of mind knowing your loan won’t become a burden to you or your loved ones.
Enterprise used car sales
As a credit union member, you are eligible to purchase well-maintained former rental cars and SUVs from Enterprise used car sales. They offer a wide range of foreign and domestic vehicles between one and three years old, and every car comes with a 12-month/12,000 mile extended service agreement.
Swap ‘n Save
Refinance your existing auto loan from another lender, and if we can’t give you a better rate or a lower monthly payment we’ll give you $25!
Get the answers you’re looking for
We understand that applying for a car loan with limited or no credit history can be frustrating. We’d suggest applying with a co-signer. Co-signers agree to be equally responsible for repayment, and their excellent credit history can support your lack of established credit.
Another option is to begin with a smaller loan amount to establish a repayment history. Along with other factors, we take a large down payment and a smaller loan request into consideration. Additional factors may include:
- A long-term employment history
- A shorter repayment term
- Other established sources of payment history, such as a long-term apartment rental, or established repayment on a utility bill
We’re happy to sit down with you to review your request and make recommendations that may help you obtain your first auto loan.
That will depend on your creditworthiness. One of our loan specialists will determine the best rate for your credit situation.
The most common reason for refinancing your loan is to lower your interest rate. If rates have fallen since you got your loan, refinancing could save you money. You may also be able to lower your monthly payment, either by lowering your interest rate or by extending the term of repayment. Give us a call at 877-784-5551 to speak with a loan officer and we’ll calculate your potential savings.
You can get pre-approved immediately! Submit an application online or call us at 877-784-5551, option 1. Pre-approval gives you an edge when negotiating a sales price with the dealer. It’s like cash on hand!
1 Additional exclusions and limitations apply.
2 Please do not include personal identifying information such as your account number or social security number.