Auto Loans

In the market for a new ride? Before you start shopping, it's a good idea to get pre-approved so you can go out and find a vehicle that fits both your needs and your budget. Take our auto loan payment calculators for a spin and complete your pre-approval application with some basic information—and we'll help get you on the road to start shopping!

Revved up yet?

Apply online receive an instant 24-hour approval*! 

Calculate Your Payment  Get Pre-Approved Today  Apply for a Loan    

*Approval subject to credit qualification. Response times may vary. In some instances, members may be asked to contact the credit union before a decision is made on their application.

Auto loan pre-approval: Shop smarter with a pre-approved auto loan

Looking for a vehicle, but not sure what your options are? Our pre-approval process helps you shop smarter by setting a budget from the start, narrowing down your choices and saving time as you shop. Here’s what you can expect when you apply for a pre-approval today:

  • Complete your pre-approval application in less than 10 minutes.  In a hurry? Log into your account on Shine Online Banking, and you'll be done in 5!
  • To fill out the pre-approval application, we only need some basic information that gives us an idea on what kind of vehicle you're looking for.
  • A Dupaco lender will be in touch with you shortly after the pre-approval application has been submitted to discuss your budget and financing options.
  • While you’re at it, request a free Money Makeover, and you could free up extra cash and potentially save thousands.
  • Still have questions about the pre-approval process? Check out our FAQs below.

Get Pre-Approved Today

Your auto loan financing and refinancing options

Want to benefit even more on your financing? Choose how much you want to pay each month and when you want to pay it with Dupaco’s Pick-A-Payment program. Consider paying weekly or bi-weekly for maximum savings and spend less on interest over the life of your loan. When you have your auto loan at Dupaco, you'll receive a great rate and a variety of loan terms to choose from, with personalized service you can count on. Plus, you can lower your loan rate through our Cooperative Loan Giveback, which rewards you with rate discounts for your credit union loyalty. See the Rates tab below for more information.

Apply today by calling our Consumer Loan department at 800-373-7600 / 563-557-7600, extension 202, or stop into your nearest branch!

 

 

It pays to borrow from Dupaco. Thanks to our Cooperative Loan Giveback, you can receive bonus loan rate discounts off our already low rates. The more business you do with us, the more we can afford to return to you in the form of an even lower loan rate. Here are the relationship tiers used to determine Cooperative Giveback Pricing:

0.05% Rate Discount: Savings, Checking & Automatic Payment
0.10% Rate Discount: Savings, Checking, $1,500 or more in a savings or loan account, direct deposit & automatic payment
0.15% Rate Discount: Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card & any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan

Rate rewards for low loan-to-value: If your loan is less than 75% of the value of the vehicle or motorcycle you're purchasing, we'll knock another 0.15% off your loan rate! (Not applicable to boat and RV loans.)

Vehicle & Motorcycle Loan Rates3

Current as of: 1/21/2019
Loan Program Term Annual Percentage Rate (As Low As)1 Cooperative Giveback Rate (As Low As) 2
2017-19 Model Year 24 Months 4.19% APR 4.04% APR
2017-19 Model Year 36 Months 4.19% APR 4.04% APR
2017-19 Model Year 48 Months 4.19% APR 4.04% APR
2017-19 Model Year 60 Months 4.19% APR 4.04% APR
2017-19 Model Year 72 Months 4.44% APR 4.29% APR
2017-19 Model Year 84 Months 5.19% APR 5.04% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
2015-16 Model Year 24 Months 4.19% APR 4.04% APR
2015-16 Model Year 36 Months 4.19% APR 4.04% APR
2015-16 Model Year 48 Months 4.19% APR 4.04% APR
2015-16 Model Year 60 Months 4.44% APR 4.29% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
2013-14 Model Year 24 Months 5.44% APR 5.29% APR
2013-14 Model Year 36 Months 5.44% APR 5.29% APR
2013-14 Model Year 48 Months 5.44% APR 5.29% APR
Loan Program Term Annual Percentage Rate (As Low As) Cooperative Giveback Rate (As Low As)
2010-12 Model Year 24 Months 6.29% APR 6.14% APR
2010-12 Model Year 36 Months 6.29% APR 6.14% APR
1Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates are subject to change without notice. Mini-Max Loans: Add 1% to conventional rates.
2Cooperative Loan Discount Rates: To qualify for Cooperative Loan Giveback discounts, you must have the following account relationships with Dupaco Community Credit Union:
Savings, Checking, Automatic Payment: .05% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .10% discount;
Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment, Dupaco VISA card, and any one of the following: Certificate, IRA, Home Equity Line of Credit, or other loan: .15% discount.
3Auto loan payment example for illustrative purposes only: If you borrow $10,000 at 3.39% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $181.43. Over the life of the loan you will pay $885.52 interest.

       
Comments (20)
EFT
Kim
 • 25 days 21 hrs 44 mins 59 secs ago
We currently have an auto loan through you and payments are taken via EFT. I have changed bank accounts and am wondering how I change my EFT so it comes out of my new bank account.
 

Re: EFT
Dupaco Moderator
 • 25 days 5 hrs 30 mins 5 secs ago

Hi Kim, we'll have a loan processor reach out to you and get your payments updated.

 

EFT
Kim
 • 25 days 21 hrs 44 mins 59 secs ago
We currently have an auto loan through you and payments are taken via EFT. I have changed bank accounts and am wondering how I change my EFT so it comes out of my new bank account.
 

Re: EFT
Dupaco Moderator
 • 25 days 5 hrs 30 mins 5 secs ago

Hi Kim, we'll have a loan processor reach out to you and get your payments updated.

 

Transfers
Letta
 • 32 days 2 hrs 48 mins 59 secs ago
I have moved recently to this area. The Credit Union I am in now is 100 miles away to the nearest office. I now live 30 miles from Carroll. Can I transfer all my accounts to your office in Carroll without a lot of problems?
 

Re: Transfers
Dupaco Moderator
 • 26 days 1 hr 2 mins 29 secs ago

Hi Letta, yes, you can become a member at Dupaco and have all of your stuff transferred easily. :) We'll have someone at our Carroll branch reach out to you.

 

auto loan
Connie M
 • 58 days 2 hrs 29 mins 36 secs ago
I was wondering if the due date could be changed so that I can do auto bill pay and keep them on time.
 

Re: auto loan
Dupaco Moderator
 • 54 days 3 hrs 55 mins 31 secs ago

Hi Connie, we can certainly work with you on that and will have a member service representative contact you.

 

loan payment
Emily
 • 89 days 20 hrs 33 mins 5 secs ago
I'd like to pay my dupaco auto loan with bill pay. What address do I use for the payee?
 

Re: loan payment
Dupaco Moderator
 • 84 days 7 hrs 36 mins 52 secs ago

Hi Emily, you can use the following address for the payee: Dupaco Community Credit Union P.O. Box 179 Dubuque, IA 52004-0179

 

Loan Payments
Allison
 • 335 days 1 hr 46 mins 42 secs ago
I have set up an account with Shine Online, but I don't know how to pay my bill.
 

Re: Loan Payments
Dupaco Moderator
 • 328 days 22 hrs 24 mins 2 secs ago

Hi Allison, we'll have one of our lenders reach out to you and walk you through the steps to make a payment on your loan in Shine.

 

Older vehicle rates?
wendy
 • 335 days 18 hrs 49 mins 10 secs ago
What are the rates for cars older than 2009? Unfortunately, that is all I can afford. Thanks
 

Re: Older vehicle rates?
Dupaco Moderator
 • 328 days 22 hrs 21 mins 24 secs ago

Hi Wendy, we'll have one of our lenders reach out to about auto loan rates.

 

Salvage title
Drew
 • 382 days 20 hrs 50 mins 36 secs ago
I was looking into a vehicle that has been repaired but is considered a salvage title. I don't want to pass up this vehicle being as good as it is. Do you finance people who are interested in a vehicle with a salvage title?
 

Re: Salvage title
Dupaco Moderator
 • 378 days 5 hrs 26 mins 3 secs ago

Hi Drew, yes, we do finance vehicles with salvage titles.

 

auto loan
Robert
 • 412 days 3 hrs 58 mins 20 secs ago
I would like to refinance an auto loan. Is it possible to get the 2.54% interest loan?
 

Re: auto loan
Dupaco Moderator
 • 404 days 3 hrs 6 mins 41 secs ago

Hi Robert, we will have someone from our Consumer Loans department reach out to you. Thanks!

 

Car Loan?
Simeon
 • 469 days 10 mins 35 secs ago
Can I take a car loan from Dupaco if I only have a saving's account at Dupaco. If yes can I have the loan funds transferred to another bank account?
 

Re: Car Loan?
Dupaco Moderator
 • 468 days 7 hrs 41 mins 26 secs ago

Hi Simeon, yes, you can absolutely have an auto loan with just a savings account here, as that makes you a member of the credit union. :) Once we have the loan approved and all signatures, we can wire the money to another financial or directly to the dealer - this would incur a $20 fee for the wire to be processed. You can apply through Shine Online Banking or right here from this webpage, or you can give us a call or stop into your nearest branch.

 

payment
carol
 • 502 days 17 hrs 9 mins 58 secs ago
Can i make my payments on line?
 

Re: payment
Dupaco Moderator
 • 502 days 7 hrs 12 mins 21 secs ago

Hi Carol, yes, you can make an auto loan payment via Shine Online/Mobile Banking. We'll have someone reach out to you and help step you through the process.

 

Delay a Pay
Dani
 • 743 days 13 hrs 28 mins 13 secs ago
Do you offer delay a pay on a auto loan? If so,how much does it cost and is there a certain amount of time you have to make payments for in order to use this service. Some banks it was 6 months and others at least 1 payment
 

Re: Delay a Pay
Dupaco Moderator
 • 742 days 5 hrs 34 mins 21 secs ago

Hi Dani, We currently do not offer an option to delay payments on loans. If you are running behind, or if you know something may be coming up that would cause some issues making payments, we encourage you to reach out to our Member Solutions department at 563-557-7600 / 800-373-7600, ext 208.

 

Interest Rate on a 1999 Jeep
Mysti
 • 930 days 3 hrs 22 mins 26 secs ago
I know interest rates are higher for older vehicles, what am I looking at for a 1999, Jeep Wrangler 5 speed- very good condition? Can you give me an extimate? They are asking $4,000. Personal Sale
 

Re: Interest Rate on a 1999 Jeep
Dupaco Moderator
 • 930 days 2 hrs 5 mins 53 secs ago

Hi Mysti, since everyone's situation is different, we will have someone from our Consumer Loans department contact you.

 

Auto loan
Joy
 • 1142 days 39 mins 12 secs ago
I'm currently not a member (yet) and I wanted to know how long does one have to be a member to apply for a loan? How long does the process take and will I have to provide a down payment. Thank you for your time.
 

Re: Auto loan
Dupaco Moderator
 • 1141 days 6 hrs 36 mins 38 secs ago

Hi Joy, when you become a member, you can apply for your auto loan right away. The process and down payment amounts depend on your situation, so please feel free to stop in or give us a call.

 

Loan
Clarence F
 • 1169 days 2 hrs 18 mins 35 secs ago
If I were to move a car loan from another bank to you, could I add anther car to that loan? The loan is for $11.000 and I would be adding about $22,000.
 

Re: Loan
Dupaco Moderator
 • 1168 days 8 mins 2 secs ago

Hi Clarence, someone from our loan department will be in contact with you shortly.

 

Car
Bulldog
 • 1237 days 2 hrs 34 mins 49 secs ago
How long does it take to process an auto loan?
 

Re: car
Dupaco Moderator
 • 1236 days 3 hrs 45 mins 25 secs ago

You can apply online, in person, or over the phone. If you are already a member it can be a same day process. If you have any additional questions regarding auto loans, please feel free to call our Consumer Loans department at 800-373-7600 or 563-557-7600, ext 202.

 

Loss Payee Clause
Ann
 • 1259 days 4 hrs 16 mins 17 secs ago
What is your loss payee clause for auto loans?
 

Re: Loss Payee Clause
Dupaco Moderator
 • 1258 days 4 hrs 13 mins 52 secs ago

Ann, it is Dupaco Community Credit Union; P.O. Box 924139; Fort Worth, TX 76124

 

Refinacing
Sharon M
 • 1282 days 1 hr 51 mins 51 secs ago
Do you refinance RV's in Hawaii?
 

Re: Refinacing
Dupaco Moderator
 • 1281 days 7 hrs 1 min 37 secs ago

Hi Sharon, Dupaco can certainly look into refinancing your RV in Hawaii. Please feel free to call our Consumer Loan department at 800-373-7600 or 563-557-7600 ext. 202.

 

Camper Loan
Tara
 • 1374 days 19 hrs 39 mins 55 secs ago
Does Dupaco have a minimum credit score requirement for a camper loan?
 

Re: Camper Loan
Dupaco Moderator
 • 1370 days 5 hrs 57 mins 11 secs ago

Tara, It all depends on the situation. It may be easiest for you to stop into a branch and talk it over with one of our member service representatives!

 

I want to make extra payments on my auto loan
Jessi
 • 1462 days 19 hrs 32 mins 14 secs ago
My husband and I want to make extra payments to our auto loan. Is it possible to pay online as the extra funds become available? Where do we do so? How? If not, can we send in a check? Any guidance you can provide would be greatly appreciated. Thanks, Jessi
 

Re: I want to make extra payments on my auto loan
Dupaco Moderator
 • 1461 days 5 hrs 8 mins 1 sec ago
Hi Jessi! Extra auto payments can be made at any time. Members can pay however they feel most comfortable so online, in branch, or sending a check. The extra payments will push the next payment due date out so if they pay ahead and realize they are a running short on cash they can pay less the next month.
 

Refinance a car loan
Samira dogic
 • 1500 days 19 hrs 48 mins 51 secs ago
We have just purchased a brend new car 2015 Kia sorento i would like to know would I have better deal switching and what intrest would I get loan amount is about 29922.55 and my intrest rate is 3.59 can you please give me a estaminet I'd love to go with my bank if that is possible
 

Re: Refinance a car loan
Dupaco Moderator
 • 1498 days 40 mins 31 secs ago

Samira, Feel free to use our online calculator! You can find it here: /loans/auto/calculators.html

 

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