JavaScript must be turned on in order for this site to display properly.
What Can DCU Save You?

Auto Refinancing

Keep your car. Trade your loan.



  • Features
  • Details
  • Rates
  • Reviews
  • Apply Now
  • Resources

DCU Auto Refinancing


Refinance Today and Start Saving!

Move your car loan to DCU and...

  • Lower your payment
  • Lower your rate,
  • or both!

Auto Loan Refinance Calculator

Compare DCU with
your current payments

*Rate for Free Checking with Plus and Relationship benefits and Electronic Payment. For Free Checking with only Member benefits, add 0.5%.
Results are an estimate. Your actual rate and payment may vary.

Your Annual
Percentage Rate
at DCU*

2.74%

Estimated Monthly Payments at DCU

$290

Estimated Monthly SAVINGS at DCU

$60

Estimated LOAN SAVINGS at DCU

$2160

800.328.8797 (select 3)

Please refer to Details and Rates tabs for additional information and important disclosures.

"Loan was fast, very low rate, and easy."

Open quote Best rate I found anywhere, and the fastest response times. Close quote

— Eric, Guilderland, NY

Moving your car loan to DCU could cut your payment

In today's economy, every dollar that you save counts. Wouldn't you like to reduce the monthly cost of owning a car? With Auto Refinancing, DCU could lower your monthly payment.

How does Auto Refinancing work?

We can usually save you money one or two ways...

  1. Lower your interest rate – We often find people were given a higher rate than they deserved at another institution or dealership – especially on used cars.
  2. Spread out your remaining balance – We can spread out what's left on your loan so each monthly payment is smaller.

Whether you opt for a smaller monthly payment or to pay off your loan faster, you can save a bundle on your monthly expenses.

Let us evaluate your current loan

We'll look at...

  1. The make and model of the vehicle
  2. The remaining loan balance
  3. The current monthly payment and interest rate
  4. The original number of payments and how many you have left
  5. The name, address, telephone number, and loan account number for your current lender (most of this information will be in your loan coupon book or statement)

From that, we'll be able to estimate how much you'll save. Your actual savings will depend on your personal credit history, account relationship, and repayment method.

You can always expect an honest evaluation from DCU

If we can't reduce your payment, we'll let you know. Our vision is that All members achieve their financial goals. We want to ensure you get a good deal...even if you already have it. It's worth a few moments to find out how much we can help you.

How can we offer such a good deal?

Because our auto loans are already a great value...

  • New or used vehicles at the same low rates – Car dealers and most institutions often charge you more for used – some 20% or more.
  • Borrow for cars, trucks, or vans – Borrow to buy your next vehicle or refinance the one you drive.
  • Great rates and affordable payments – Finance up to 84 months. The longer the loan term, the lower your monthly payment.
  • Borrow up to 120% of Price – Qualified borrowers can finance up to 120% of NADA retail book value or 120% of the purchase price – whichever is less, PLUS DCU GAP and DCU Warranty. DCU will only finance over 100% when it's DCU's GAP and Warranty, not dealer add-ons.
  • Save with Plus and Relationship benefits and electronic payment – Save on rates when you qualify for Plus and Relationship benefits on your DCU Checking Account and make payments electronically (payment by transfer in Online Banking, Mobile Banking, Easy Touch Telephone Teller, DCU ATM, or internal DCU automatic transfers). Add 0.50% to rate for other payment methods.

Auto Loan Refinancing Rates*

Our Best Rates*
Terms / Features Annual Percentage Rate
(APR)
Estimated Monthly Payment
Per $1,000 Financed
Auto Loan Calculator
Up to 36 months 2.74% $28.97
Up to 48 months 2.74% $22.02
Up to 65 months 2.74% $16.57
Up to 72 months 3.74% $15.53
Up to 84 months 5.24% $14.25

Rates are effective .

*Rates are determined by your personal credit history, loan term, account relationship, and payment method. Rates listed are for both new and used auto loans with terms of up to 84 months and are subject to change at any time. Rates and terms on loans for other types of vehicles (i.e. commercial, mobility, classic and antique, motorcycles, RVs and boats) will differ. Please view the applicable product details.


[an error occurred while processing this directive]


[an error occurred while processing this directive]

"Saving Money"

Open quote I recently refinanced my car with DCU and I saved so much money that it makes my new home buying experience less stressful. Being a DCU member for 4 years now I received a lower rate than expected. Close quote

— Nelson, Chichester, NH

It's easy to apply for DCU Auto Refinancing

  1. Apply Online – 24 hours a day, 7 days a week.
  2. Apply by phone – 24 hours a day, 7 days a week call 800.328.8797 or 508.263.6700 and press 3.
  3. Any DCU Branch – Visit your local branch.

"Loved the lower interest rate!"

Open quote DCU came through with the best interest rate, and the process was so simple! Keep up the great job! Close quote

— Whitehall, Hopkinton, MA

Auto Refinancing Resources

  • Are You Already Approved? – Login to Online Banking and check your Account Manager inbox for a message. If you are, you can accept your approved loan online.
  • NADA Vehicle Price Guide – Get prices on new and used vehicles to help in negotiating the sale or purchase of a vehicle.
  • Loan Payment Method Authorization (.pdf format) – Use to have DCU set up electronic loan payments by transfer from your DCU savings or checking account. Note: you can set this up on your own with Internet Online Banking Automatic Transfers.
  • Payment Protection – Helps relieve the pressure of your loan payments during certain unexpected events.
  • DCU Auto Insurance – You can count on us for good service, good value, and expert help in choosing the best auto insurance solution for you and your family.
  • Mechanical Breakdown Insurance – Available through DCU, it covers you for out of pocket repairs on both new and used cars at half the cost of an extended warranty.
  • Guaranteed Asset Protection – If your car is totaled or stolen, this optional insurance covers the difference between the insurance settlement and the loan balance.
  • TItle Services – Request a Lien Satisfaction Letter or Duplicate Title Application.

Auto Refinancing Related Links

  • Loan Calculator – Use these calculators to determine an approximate loan payment based on the loan amount (loan cash), term, and credit history standing. This helps you see if a loan will fit within your budget.
  • StreetWise Guide to CreditStreetWise guide helps you understand how credit works, how to use it responsibly, how to know if you are having difficulty with it, and what to do if you are.
  • How to Make Your Loan Payment – We make it easy to make your loan payment. Find out more about our convenient payment options.
  • Skip a Payment (.pdf format) – You have the option to skip a loan payment without impacting your credit rating.
  • Calculate Finance Charges – Sometime members have questions about how Finance Charges or Interest on their DCU loan accounts are calculated. This information is designed to make the information in your loan disclosures a little easier to understand.
  • Schedule of Fees and Service Charges – Details regarding member benefits that may help you avoid fees.
  • Vehicle Loan Payoff Form for Insurance Agencies or Dealers – Dealers and insurance agencies can use this form to obtain a 10-day loan payoff for members' auto loans.