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Digital Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of Digital Federal Credit Union auto loans

Digital Federal Credit Union (DCU) logo

Digital Federal Credit Union (DCU) has been serving over 1 million members across 50 states for more than 40 years. With DCU, members can purchase or refinance at workable rates and terms. Members can pick from a range of new and used vehicles, like cars, trucks, boats, and motorcycles. DCU has desirable recreational and mobility vehicle loans, too.

Want to see what a Digital Credit Union auto loan will cost? Try the Digital Federal Credit Union 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 Digital Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Up to 130%.
  • Interest rates: APRs start at 5.74%.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Rate discounts for Plus and Relationship members with electronic payments and for energy-efficient vehicles.

Digital Federal Credit Union loan options

New and used auto loans

For as low as 5.74% APR, you can purchase or refinance new and pre-owned cars, trucks, and vans for up to 65 months. Digital Credit Union also offers flexible loan terms extending up to 84 months. Starting at 6.74% APR, you can fund your vehicle for up to 72 months. Meanwhile, if you want to stretch your term to 84 months, rates begin at 8.24% APR.

Recreational vehicle loans

Whether you’re after small or large recreational vehicles, DCU can help you, too. For small recreational vehicles, you may lock in as low as 10.85% APR. Then, large recreational vehicles and boats come at 9.99% APR. Additionally, you can finance up to 125% of NADA book value or purchase price, whichever is less.

Motorcycle loans

If you want to fund your two wheels, Digital Credit Union also offers street and off-road motorcycle loans. You can fund up to 125% of the NADA book value or purchase price for up to 60 months.

Antique car loans

Digital Federal Credit Union also has a selection of loans for classic and antique cars. Depending on your vehicle, you may borrow up to 90% of the appraised value. For 8.24% APR, you can finance your ride for up to 65 months, while rates start at 10.74% for an 84-month term.

Mobility vehicle loans

Also, DCU has special loans for new and pre-owned vehicles and vehicle modifications for people with disabilities. Rates can be as low as 8.24% APR, and terms can extend up to 120 months.

Digital Federal Credit Union 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
Digital Federal Credit Union

Digital Federal Credit Union auto loan

Digital Federal Credit Union 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 Digital Federal Credit Union 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 Digital Federal Credit Union auto loan

Eligibility criteria

Though the specific requirements to finance a vehicle are not listed, you typically should be:

  • A member of the Digital Credit Union
  • At least 18 years old
  • Employed or have a reliable source of income

Consider improving your credit score before applying, too. This will then help you qualify for more favorable rates and terms and boost your chances of securing a loan.

How to join Digital Credit Union

To become a member of DCU, you need to meet one of the following:

  • A family member of a current Digital Credit Union member
  • Work or be retired from a participating employer
  • Member of a participating organization
  • Related to a non-member who currently works for or retired from a participating employer or organization
  • Live, work, worship, or study in one of the communities on DCU’s list

What you’ll need to have ready

When you apply for auto financing with Digital Credit Union, 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 DCU 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’re refinancing from another lender, you also need to indicate the name and phone number of the financial institution. Plus, you should provide your loan account number from the said institution.
Ways to apply for a Digital Federal Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-328-8797

Additional Digital Credit Union auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.50% rate discount for Plus and Relationship members with electronic payments. Additional 0.25% discount for energy-efficient vehicles.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Hardship program: Available. Check your options here.
  • Ways to repay: Online banking, mobile app, in a branch, by mail, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: For energy-efficient discounts, vehicles should have an EPA fuel economy rating of 35 MPG or 35 MPGe combined city/highway.

PROS AND CONS

Pros

  • Competitive interest rates.
  • Up to 130% financing.
  • Fast turnaround time.
  • Long loan terms of up to 84 months.
  • 0.50% discount for Plus and Relationship members using electronic payments.
  • 0.25% discount for qualified energy-efficient vehicles.
  • Multiple ways to pay: online banking, mobile app, in a branch, by mail, and over the phone.
  • No payment for 60 days.
  • Classic and antique auto loans available.
  • Several loan options – auto loans, auto refinance, recreational vehicle loans, boat loans, and mobility loans.

Cons

  • Undisclosed loan fees.
  • Members with poor credit may get higher APRs.
  • For Digital Credit Union members only.

Frequently asked questions

Do I need a membership for a DCU auto loan?

Yes. You need to become a DCU member to finalize your auto financing. Nonetheless, you can still submit your application before finalizing your membership.

How much interest does Digital Credit Union charge on auto loans?

Remember that your APR depends on your overall credit standing and loan. For up to 65 months, rates are as low as 5.74% APR. Meanwhile, rates start at 6.74% APR for up to 72 months and 8.24% APR for up to 84 months.

What credit score do I need for a Digital Federal Credit Union auto loan?

DCU doesn’t specify the credit requirements. But as a rule of thumb, a higher credit score can help you qualify for lower rates and longer terms. Usually, a score of 661 and above may help you get favorable loans.

How long does Digital Federal Credit Union take to approve vehicle finance?

Often, DCU can give loan approval instantly for online applications. In case Digital Credit Union needs additional documents, it may take longer.

How long does it take for a Digital Credit Union car loan to be paid into my account?

You can get the check within 2 to 3 business days through FedEx.

What information do I need to provide when applying for a DCU auto loan?

You need to provide details about your loan, including the type of loan, loan amount, and desired term. Other than these, you also need to indicate your personal and contact details along with your income, employment, and monthly expenses.

Video: DCU Digital Federal Credit Union – Auto loan

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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