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DFCU Financial Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of DFCU Financial auto loans

DFCU Financial logo

DFCU Financial offers low-cost vehicle financing options in 34 branches across Michigan and Florida. Members can lock in the keys for their dream ride for as low as 5.99% APR and enjoy discounted rates and insurance. Additionally, DFCU has tailored loans for new and pre-owned autos, boats, RVs, and motorhomes.

Want to see what a DFCU auto loan will cost? Try the DFCU Financial 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 DFCU Financial auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 5.99% APR.
  • Loan terms: Undisclosed.
  • Loan fees: Undisclosed.
  • Discounts: Auto insurance discounts and discounted rates with automatic payments from DFCU checking or savings accounts.

DFCU FINANCIAL AUTO LOAN OPTIONS

New and used vehicle purchase

DFCU has competitive new and used auto loans for qualified members. With autopay from a DFCU checking or savings account, you can secure a new car for as low as 5.99% APR. In case you’re looking for used vehicle loans, rates begin at 6.24% APR. To know your maximum term, you can contact DFCU Financial for more details.

Boat, RV, and motorhome loans

DFCU Financial also has a selection of loans for boats, RVs, and motorhomes. For as low as 5.74% APR, you can finance a boat up to $350,000. Meanwhile, recreational vehicles start at 5.74% APR. If you’re looking for motorhome loans, you can fund one for as low as 6.24% APR for up to 180 months.

DFCU Financial 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
DFCU Financial

DFCU Financial auto loan

DFCU Financial 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 DFCU Financial 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 DFCU Financial auto loan

Eligibility criteria

DFCU doesn’t list the specific requirements for vehicle financing, but you commonly should be:

  • A member of DFCU
  • 18 years old or older
  • Employed or have a reliable source of income

Because credit unions typically offer their best rates and terms to members with excellent credit, try to build your credit score, too. This can help you lock in more favorable offers and save more over the life of the loan.

What you’ll need to have ready

When you apply for auto financing with DFCU Financial, 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 DFCU 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.

If you plan to refinance, DFCU may ask for additional details on the vehicle, too. For example, you need to provide the vehicle’s make, model, year, estimated value, and the amount you want to refinance.

Ways to apply for a DFCU Financial auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 888-336-2700

Additional DFCU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% off on interest rates for members who set up autopay.
  • Repayment frequency: Monthly.
  • Late payment fees: $20.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile app, in person, by mail, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Instant auto loan approval.
  • Low interest rates for qualified applicants.
  • Discounted rates with automatic transfers.
  • Several vehicle options – new and used autos, boats, RVs, and motorhomes.
  • Potentially earn cashback.
  • Auto insurance discounts.
  • Multiple payment methods: online banking, mobile app, in a branch, by mail, and over the phone.
  • Many partner dealers.
  • 34 branches across MI and FL.
  • Go to a dealership with a check on hand through AutoCHECK.

Cons

  • $20 late payment fee.
  • Undisclosed loan fees.
  • Undisclosed minimum and maximum loan amounts.
  • Unspecified vehicle restrictions.

Frequently asked questions

Does DFCU Financial refinance auto loans?

Yes. You can refinance your auto loan to lower your monthly payment. Plus, you can take advantage of DFCU membership perks, including potential cashback.

How to join DFCU Financial?

To become a member, you need to live, work, worship, or study in Michigan’s lower peninsula or the six-county region around Tampa Bay, Florida.

Are DFCU car loan interest rates fixed or variable?

DFCU has fixed-rate auto loans.

Can I apply for a DFCU Financial auto loan online?

Yes. You can submit your vehicle loan application through DFCU’s website.

How long does a DFCU car loan take to be approved?

You can receive the loan decision instantly depending on your case.

What interest rates are at DFCU?

Remember that your annual percentage rate (APR) can vary based on your creditworthiness and loan term. New vehicle loans with autopay from DFCU checking or savings accounts start as low as 5.99% APR. Then, used vehicle loans with autopay from DFCU checking or savings accounts are as low as 6.24% APR.

Video: DFCU Financial: 10 cash back spot

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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