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Del-One Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of Del-One FCU auto loans

Del-One Federal Credit Union logo

Del-One Federal Credit Union provides services to its growing members across Delaware and bordering counties in Maryland and Pennsylvania. Del-One has competitive interest rates and attractive rate discounts available to qualified members. Be it new or used, members can finance and refinance autos, trucks, vans, motorcycles, and boats at an affordable rate.

Want to see what a Del-One auto loan will cost? Try the Del One auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Del-One Federal Credit Union auto loan features

  • Minimum loan amount: $5,000.
  • Maximum loan amount: Undisclosed, but it’s based on credit quality and NADA value.
  • Interest rates: New auto loans start at 5.50% APR, while used auto loans come as low as 5.75% APR.
  • Loan terms: Undisclosed.
  • Loan fees: Undisclosed.
  • Discounts: 0.25% direct deposit or automatic payment discount. Plus, 0.25% discount on electric, hybrid, fuel cell, and plug-in hybrid electric vehicles or Tesla.

DEL-ONE AUTO LOAN OPTIONS

New and used vehicle loans

If you’re looking for low-cost loan options, Del-One FCU offers financing and refinancing for new and pre-owned autos, trucks, and vans. Starting at 5.50% APR, you can secure new vehicles. Meanwhile, rates are as low as 5.75% APR for used auto loans.

Motorcycle and boat loans

Del-One also has tailored vehicle loans for your adventures. For 7.25% APR, you can purchase or refinance your motorcycle. If you’re funding your water ride, you can also get a boat loan for as low as 9% APR.

Del-One auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Del-One

Del-One auto loan

Del-One auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Del-One auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Del-One FCU auto loan

Eligibility criteria

While Del-One Federal Credit Union doesn’t list the requirements, you commonly need to:

  • Be a member of Del-One
  • Be at least 18 years old
  • Have a valid driver’s license
  • Be employed or have a reliable source of income

Note that financial institutions generally offer their best annual percentage rates (APR) and terms to borrowers in good credit standing. That said, try to check your credit score before applying for auto financing. This way, you can boost your chances of locking in an ideal loan.

How to join Del-One

To become a Del-One FCU member, you need to meet one of the following criteria:

  • Be an immediate family or household member of an existing Del-One member
  • Be an employee or official of the State of Delaware
  • Be an employee or official of any of Del-One’s select employer groups
  • Live, work, worship, or study in Del-One’s community chartered areas

Otherwise, you can join through the Del-One Foundation if you’re a Delaware resident or a resident of any bordering counties in Maryland or Pennsylvania.

What you’ll need to have ready

When you apply for auto financing with Del-One FCU, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide Del-One with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Since each situation is different, your loan approval time depends on the information and documents you provide. So, preparing the requirements ahead can help make your application process go faster and smoother.

Ways to apply for a Del-One auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 302-739-4496

Additional Del-One auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% discount with direct deposit or automatic payment, and 0.25% discount on green auto loans.
  • Repayment frequency: Monthly.
  • Late payment fees: Unspecified.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Ways to repay: Online banking, by mail, in a branch, over the phone, and automatic payments through ACH or direct deposit.
  • Hardship program: Undisclosed.

Vehicle restrictions and limitations

  • Maximum vehicle age: Up to 10 years old.
  • Maximum vehicle mileage: Under 100,000.
  • Other vehicle restrictions: Branded titles are ineligible.

PROS AND CONS

Pros

  • Quick turnaround time (24-48 business hours).
  • Competitive interest rates.
  • $0 prepayment penalty.
  • 90 dealer partners.
  • 0.25% rate discount on direct deposits or automatic payments.
  • 0.25% rate discount on electric, hybrid, fuel cell, and plug-in hybrid electric vehicles and Tesla.
  • Pre-approval available.
  • Multiple payment methods – online banking, by mail, in person, over the phone, and automatic payments through ACH or direct deposit.
  • Optional mechanical breakdown coverage and GAP insurance available.
    Car-buying services through TrueCar.

Cons

  • Unspecified loan terms.
  • Undisclosed loan fees.
  • Restricted to members.
  • Branded titles unavailable.

Frequently asked questions

Are Del-One car loan interest rates fixed or variable?

Del-One offers fixed-rate auto loans.

Does Del-One refinance car loans?

Yes. You can switch your existing auto loan to Del-One FCU.

How long does Del-One FCU take to approve car loans?

You may expect a loan decision from Del-One within 1 to 2 business days.

Does Del-One Federal Credit Union offer no down payment auto loans?

Yes. You can get a car loan without a down payment. But in certain cases, Del-One may require a down payment.

How to apply for an auto loan at Del-One Federal Credit Union?

You can apply for a car loan in three ways: online, in a branch, or over the phone.

Are there early repayment fees on Del-One vehicle finance?

None. You can make early payments without incurring prepayment penalties.

What do you need to qualify for an auto loan at Del-One FCU?

You need to complete a car loan application. But if you’re not yet a member, you should submit a membership application. Alternatively, you can visit a branch near you and bring your proof of eligibility, driver’s license, and a $5 deposit.

Video: Why choose Del-One?

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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