DCU Auto Loans review

DCU stands out for keeping its lowest rate on longer terms and for treating new and used cars alike. Its auto loan table showed 5.24% APR on terms up to 36, 48 and 65 months, 5.74% up to 72 months and 7.24% up to 84 months, with an estimated payment of $17.70 per $1,000 borrowed at 65 months. The posted rate includes a 0.50% discount for members who keep at least $500 a month in direct deposit going to DCU checking and pay the loan electronically, so read it as the best case. DCU will lend up to 130% of the vehicle's value, subject to underwriting, which can help if you are rolling in taxes and fees. New auto and refinance loans can skip payments for the first 60 days, though interest accrues from funding. Membership is required, and DCU lists ways to join through relatives, participating employers, organizations or eligible communities. It does not finance Lemon Law buyback or salvage title vehicles.

Who it is for

buyers who want one low rate for new or used cars

Price

As low as 5.24% APR up to 65 months, including a 0.50% relationship discount.

As Low As 5.24% APR
Quoted from the vendor pricing page on November 13, 2026.

Key features

• 5.24% APR on terms up to 36, 48 and 65 months; 5.74% up to 72 months; 7.24% up to 84 months
• Same rates for new or used cars, trucks and vans
• Up to 130% loan-to-value, subject to underwriting
• Option of no payments for the first 60 days on new auto and refinance loans
• Published rate includes a 0.50% discount for direct deposit and electronic payment

Strengths and weaknesses

• Strength: 5.24% APR holds all the way to 65 months
• Strength: Used cars get the same rate as new cars
• Strength: Can finance up to 130% of the vehicle value
• Weakness: Best rate needs $500 a month in direct deposit and electronic loan payments
• Weakness: Membership required
• Weakness: Does not finance Lemon Law buyback or salvage title vehicles

Key facts

• APR: From 5.24% (up to 65 months)
• 84-month APR: 7.24%
• Loan-to-value: Up to 130%
• Payment deferral: No payments for 60 days (optional)

Where it ranks

DCU Auto Loans is No. 3 in our Best Auto Loan Lenders verdict.