Auto Loans

Find it. Finance it. Drive it away.

Welcome to the DFCU AutoCENTER!

No matter how you buy your next car, our auto loans offer:

Start now.

How would you like to purchase your next car?

Is your dealer on the DFCU Participating Dealer list?

DFCU AutoSMART Online Services

If you want to shop and find your next car online, AutoSMART is your way to go. Here's how it works:

Find and Finance Your Car Online Now
  • Shop and find your new or used car on the DFCU AutoSMART website
  • Complete and submit your AutoSMART loan application to begin receiving instant email notifications and your DFCU AutoSMART Approval CERTIFICATE
  • Download your certificate to take to your DFCU Participating Dealer—or simply go to your dealer and have them access your DFCU AutoSMART Approval CERTIFICATE online
  • Close your loan at the dealer and drive away
  • Watch and learn about the AutoSMART experience

You'll receive an immediate loan decision once you apply.

Apply Now

You'll receive an immediate loan decision once you apply.

Refinance Today
Loan Type Fixed APR3 Max Fixed Terms
New Vehicle Purchase with Auto Pay from DFCU Financial Checking or Savings As low as 5.99% APR Ask for details
New Vehicle Purchase without Auto Pay As low as 6.24% APR Ask for details
Used Vehicle Loan with Auto Pay from DFCU Financial Checking or Savings As low as 6.24% APR Ask for details
Used Vehicle Loan without Auto Pay As low as 6.49% APR Ask for details

Rates effective as of 3/23/2023

3Risk Based: The APR (Annual Percentage Rate) you receive is based on your credit worthiness and the term of your loan. Please ask us for the initial rate that you qualify for. Preferred Rates with Auto Pay: As shown in the above APR (Annual Percentage Rate), you will receive a discount of 0.25% on your interest rate with automatic payment from a DFCU Financial checking or savings account. Preferred rates are not available for Personal Lines of Credit, Credit Cards, Share Loans, Home Equity Lines of Credit or any other Unsecured Loan. Late Charges: If your payment is more than 15 days late you will be charged a $20 late fee. DFCU Financial reserves the right to change rates at any time prior to loan closing.


NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


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If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of
our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

*APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.

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While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.