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Dcu Auto Loan Rates Based On Credit Score – Whether your dream car is new or new to you, car loans make it easy to get on the road by offering low rates and flexible terms.
Looking to buy a new or used vehicle but stuck with negative equity? An Explore guide that details how to sell a car you have a loan on.
Dcu Auto Loan Rates Based On Credit Score
Relatives of members are eligible to join if they are spouses, domestic partners, children, grandchildren, parents, grandparents or siblings (including adoptive in-laws, and step-relatives) .
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You are automatically eligible to join if you live, work, worship, or attend school in one of the communities on our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
¹APR = Annual Percentage Rate. Rates are determined by your personal credit history, loan term, Member Benefit Level, and payment method, your rate may vary. Published rate includes a 0.50% discount given when you conduct electronic payments and Plus or Relationship benefits on your checking account. The rates listed are for this product only and are subject to change at any time. Rates and terms on loans for other types of vehicles, including mobility vehicles, will vary. For loan refinancing an administration fee may apply. Credit and collateral subject to approval.
This calculator is owned by and licensed for use on CalcXML. It is provided as a self-help tool for your independent use. The results shown are based on information and assumptions provided by you regarding your goals and financial situation. Applicability or accuracy of your circumstances is not guaranteed. All sample ranges and default figures provided within calculator fields do not reflect actual loan terms available or applicable to your situation. These are hypothetical for illustrative purposes and are not intended to assert actual user-defined parameters. Calculation results do not indicate whether you qualify or assume you may qualify for the loan, product or service. The calculations provided should not be construed as financial, legal or tax advice. Consult a financial professional before relying on the results presented.
The most common ways to apply for a Car Loan is through our online application or in branch. If you are already a member, you can submit your request within Digital Banking under Offers. This will enable you to simplify your application, because you will not be asked for any information we already have. Additionally, you could check to see if you are already pre-approved for a car loan.
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If you have questions or need help submitting an application, you can contact our Consumer Loan Call Center at 800.328.8797 – then select Option 3.
You must be a member to close and finance a vehicle loan, but you can submit your loan application before completing membership. If you are not yet a member, you will receive information on how to apply to become a member after you have received your loan decision.
No – you do not need to have a vehicle selected before submitting your car loan application. Some members choose to start their application before deciding on a vehicle, so they know their exact budget and can complete the transaction quickly once they find the right one.
When you apply, you have the option to indicate that you do not yet know the make and model of the vehicle. However, you will be asked to provide an estimate of your loan amount (purchase price minus any down payment or trade-in value). If approved, your loan offer will be good for up to the stated amount pending verification of all required documents. When you finalize your loan, you can specify the exact dollar amount you want to finance.
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The timeframe for application and funding may vary, depending on how quickly the required documentation is provided. In many cases, we are able to make immediate decisions on applications submitted through our online application. You will receive notification if further review is required to determine your application. Once you provide all the documentation needed to complete your loan, the check is usually delivered by FedEx within 2-3 business days.
Rates are determined by your personal credit history, loan term, account relationship, and payment method. Members can qualify for a 0.50% discount by making electronic payments on the loan and Plus or Relationship benefits on your checking account. Rates and terms on loans for other types of vehicles, including mobility vehicles, will vary.
There are many factors involved in determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer’s rebate, the trade-in value of your old vehicle minus any remaining balance, your down payment, etc.
Once the loan amount is determined, the interest rate and loan term will be used to estimate your vehicle payment. To estimate your monthly payment, try our Monthly Payment Calculator.
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Loan to value is the ratio that compares the loan amount against the value of the vehicle. Lenders typically have a “maximum LTV” threshold in place that determines how much of a loan they are willing to finance for a vehicle based on its value. The LTV threshold is based on a number of factors, including creditworthiness, vehicle age, mileage and the term of the loan. On , qualified lenders could finance up to 130% of the purchase price or book value, whichever is lower.
GAP insurance is optional auto insurance that helps pay off your loan if your vehicle is totaled or stolen and you still owe more than the depreciated value. Regular car insurance will only cover the value of the vehicle at the time of loss. GAP insurance protects you when the balance of your car loan exceeds the current book value of your car. offers GAP Advantage insurance to members through Allied Solutions. GAP Advantage can be purchased for both new and used vehicles, for a reasonable one-time cost of $599. For more information, visit the GAP Advantage Insurance page.
Yes, it works with a select group of dealerships in New England through Credit Union Direct Lending (CUDL). These vendors can apply to other lenders on your behalf and obtain the required paperwork for funding. Visit our Buy CUDL Cars page for more information.
While all members have access to most of our great benefits, the more a member does with , the more those benefits multiply. Please see the information below for a detailed description of benefits per level.
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How to Qualify: Add and maintain a direct deposit (a qualifying direct deposit is a recurring electronic credit from your payroll, retirement, Social Security, or other recurring monthly income). If you fail to maintain these qualifications at any time, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.
How to Qualify: Add and maintain a direct deposit (a qualifying direct deposit is a recurring electronic credit from your payroll, retirement, Social Security, or other recurring monthly income) AND make at least 5 transactions per month (eligible transaction types include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers that clear your account within the same month). If you fail to maintain these qualifications at any time, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.
Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that does not affect our editors’ opinions. Our third-party advertisers do not review, endorse or approve our editorial content. It is correct to the best of our knowledge when posted.
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We think it’s important for you to understand how we make money. It’s quite simple, really. The offers for financial products you see on our platform come from companies that pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great educational tools and materials.
Compensation may take into account how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get it, we try to show you offers we think are a good match to you That’s why we provide features like your Approval Odds and savings estimates.
Of course, the offers on our platform do not represent all the financial products available, but our goal is to show you as many great options as we can.
Digital Federal Credit Union, or
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