Vehicle Loans

Needing a new ride? Or want to refinance from another financial institution for a lower payment? Don’t forget to check with DCFCU for your lending needs. We’ve got multiple vehicle loan options. Pre-approvals are also available. Contact us today for more information.

Recreational Vehicle Loans

Check with a loan officer for more information.

DCFCU uses NADA Guides to determine vehicle loan values. To find a vehicle value yourself, visit the NADA site.

Apply for a Loan

Both loan applications down below require you to also turn in proof of income. Once you have completed the form, follow the steps below to submit.

  • When completed, click the “EMAIL FORM” button at the top of the application.
  • Choose your type of email application.
    • If you have a desktop email application (i.e. Microsoft Outlook), select that and click “OK”. A new email to DCFCU will be created with the application attached. All you need to do is add any information you would like to provide to the loan officers and then send the email.
    • If you have an Internet email application (i.e. Yahoo, Hotmail), select that and click “OK”. You will be directed to save the completed application to your PC (Desktop is recommended location because it is easy to find). Click the “Save” button to save to PC. Then, go into your email application, and attach the file you just saved to an email to dalecu@dalecu.com.
  • Contact the credit union if you have any questions.

Loan Rates Effective as of 10/06/2022

Rates, terms, & conditions are subject to change without notice. Subject to credit approval based upon creditworthiness & our underwriting standards.
All rates below are our average rates. Your final rate will be based on your credit score.

Vehicle Loan Rates

Vehicle Year—Loan Value Equivalency

2022—100% Sticker Value

2021 to 2015—100% NADA Retail

Annual Percentage Rate (APR)

36 months—4.0%

48 months—5.0%

60 months—6.0%

72 months—6.5%

84 months—Contact the credit union for details

The following rates apply to loans not totally secured by the vehicle, or the vehicle securing the loan is over 8 years old, with a minimum payment schedule:
Loan Values
Loan ValueTermAnnual Percentage Rate (APR)
< $4,00036 months7.5%
$4,001—$6,00036 months7.0%
$6,001—$10,00048 months6.5%
$10,001 & over60 months6.0%
Estimated Monthly Payment Per $1,000 Borrowed
TermAnnual Percentage Rate (APR)Estimated Payment
36 months3.00%$29.08
48 months4.00%$22.58
60 months5.00%$18.87
72 months6.00%$16.57
Minimum Payment Schedule
$0—$500$10.00/week$43.30/month
$501—$750$15.00/week$64.95/month
$751—$1,000$20.00/week$86.60/month
$1,001 or more$25.00/week$108.25/month
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