Refinancing a Vehicle Loan

Bring an existing loan, currently financed with another lender, back home to Dupaco and you'll receive a great Dupaco rate with stellar service. What's more, spend a little time with a Dupaco lending consultant for a free Money Makeover, and you could free up extra cash and potentially save thousands.

Choose from several great ways to refinance nearly any type of vehicle:

Traditional financing: Better-than-traditional rates with a variety of terms
Pick-A-Payment program: Decide how much you want to pay each month and when you want to pay it. Consider paying weekly or bi-weekly for maximum savings.
Less-Taxing Loan: A loan for homeowners which may allow them to write off the interest paid on the vehicle loan*
Cooperative Loan Giveback: On a new loan, Dupaco members may qualify for an additional rate discount depending on account relationships

You can even apply online to refinance your loan.

Get a Loan. Get Ahead.
Borrowing from Dupaco will get you a great rate and the money you need to make that important purchase. But it will also put you ahead financially, with options including automatic payments with systematic savings, Money Makeovers, and credit history lessons to teach you how to drive up your credit score and pay less.

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For loan service or more information, visit any Dupaco location, or contact our Consumer Loan Department at (563) 557-7600 / 800-373-7600, ext. 202, or loans@dupaco.com.

Auto, Motorcycle, Boat, RV Loan Rates01/01/2013
Loan Program	Term	Rate (As Low As)¹	Cooperative Giveback Rate (As Low As)²
New/Used Vehicles (2011-13 Models)	24 Months	2.99% APR	2.54% APR
	36 Months	2.99% APR	2.54% APR
	48 Months	2.99% APR	2.54% APR
	60 Months	2.99% APR	2.54% APR
	72 Months	3.24% APR	2.79% APR
	84 Months	3.99% APR	3.54% APR
Used Vehicles (2009-10 Models)	24 Months	2.99% APR	2.54% APR
	36 Months	2.99% APR	2.54% APR
	48 Months	2.99% APR	2.54% APR
	60 Months	2.99% APR	2.54% APR
Used Vehicles (2007-08 Models)	24 Months	4.35% APR	3.90% APR
	36 Months	4.49% APR	4.04% APR
	48 Months	4.49% APR	4.04% APR
Used Vehicles (2004-06 Models)	24 Months	5.99% APR	5.54% APR
	36 Months	5.99% APR	5.54% APR
¹Auto Loan Rates: Loan rates based on member credit qualification, total loan amount, and Cooperative Loan Giveback pricing. Rates are subject to change without notice. Mini-Max Loans: Add 1% to conventional rates. ²Auto Cooperative 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: .15% discount; Savings, Checking, $1,500 or more in a savings or loan account, direct deposit, automatic payment: .30% 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: .45% discount.

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* Less-Taxing Loans are secured by the vehicle and a deed of trust on the borrower’s residential property. The interest paid, therefore, is tax deductible in most cases. Consult your tax advisor concerning the tax deductibility of interest. Flood certification and filing fees apply.