Credit union · NCUA insured
DFCU Financial Auto Loan Rates
DFCU Financial auto loans start at 5.34% APR for a new vehicle and 5.49% for a used one. Rates checked October 16, 2026.
How DFCU Financial’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where DFCU Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
DFCU Financial
5.34%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
New Vehicle with Auto Pay from DFCU Account
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
DFCU Financial auto loan score
70
Auto loan score
Higher than 26% of U.S. banks and credit unions
- New vehicleNew5.34%
- Used vehicleUsed5.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where DFCU Financial ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle with Auto Pay from DFCU Account
Discounted interest rate available when you set up automatic payments from a DFCU Financial checking or savings account. APR is risk-based and based on credit worthiness and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.34% | With Auto Pay from DFCU Account. Up to 60 months. Rate reflects 0.25% discount for auto pay. |
| 61–83 months | 5.59% | With Auto Pay from DFCU Account. 61 to 83 months. Rate reflects 0.25% discount for auto pay. |
| up to 84 months | 6.34% | With Auto Pay from DFCU Account. 84 months. Rate reflects 0.25% discount for auto pay. |
New Vehicle without Auto Pay
Without Auto Pay. APR is risk-based and based on credit worthiness and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.59% | Without Auto Pay. Up to 60 months. |
| 61–83 months | 5.84% | Without Auto Pay. 61 to 83 months. |
| up to 84 months | 6.59% | Without Auto Pay. 84 months. |
Used Vehicle with Auto Pay from DFCU Account
Discounted interest rate available when you set up automatic payments from a DFCU Financial checking or savings account. APR is risk-based and based on credit worthiness and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.49% | With Auto Pay from DFCU Account. Up to 60 months. Rate reflects 0.25% discount for auto pay. |
| 61–83 months | 5.74% | With Auto Pay from DFCU Account. 61 to 83 months. Rate reflects 0.25% discount for auto pay. |
| up to 84 months | 6.49% | With Auto Pay from DFCU Account. 84 months. Rate reflects 0.25% discount for auto pay. |
Used Vehicle without Auto Pay
Without Auto Pay. APR is risk-based and based on credit worthiness and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.74% | Without Auto Pay. Up to 60 months. |
| 61–83 months | 5.99% | Without Auto Pay. 61 to 83 months. |
| up to 84 months | 6.74% | Without Auto Pay. 84 months. |
Who can join DFCU Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in the designated Florida counties (14-county or 15-county region across Tampa Bay, Central, and Southwest Florida) is eligible for membership.
- Anyone who lives, works, worships, or attends school in Michigan's Lower Peninsula is eligible for membership.
Membership information collected October 5, 2026.