Refinance and get a little something back ...
Here’s the deal: Refinance your auto, personal or recreational loan with Dupaco and get up to $300¹ cash back. Yes, actual money back in your pocket.
Why it's worth a look:
- You could potentially score a lower rate.
- More breathing room in your budget = less stress.
- Oh, and that cash back? It’s a nice bonus of 1% of the total loan refinanced, just for making a smart move.
- Plus, our helpful staff are here to assist you every step of the way!
This offer’s not sticking around forever—don’t miss your chance to save!
Unsure if refinancing is right for you? We're here to help!
1The cash back will be 1% of the total external payoff amount financed, with a maximum cash back of $300 per consumer auto, motorcycle, personal, or recreational loan financed. Minimum loan amount $5,000. Members who are delinquent, on any loan, for at least 60 consecutive days or more at the time of cash back are ineligible for this promo. Does not apply to refinancing of existing Dupaco loans. Subject to loan approval. Membership eligibility is required. Cash back will be paid within 3–5 business days of loan disbursement. Cash back may be reportable on IRS form 1099-MISC. Member is responsible for any and all taxes. Other restrictions may apply. Rates, terms, and conditions are subject to change. Must mention this offer. Promotion can change at any time.
Boat loans, RV loans, ATV loans, jet ski loans, snowmobile loans…Dupaco lenders specialize in putting those new toys within reach! We combine competitive rates with stellar local service to ensure your next adventure begins with a smile.
- Easy online application process and fast approval*
- Local financing, repayment, and service
- Flexible terms up to 84 months
- Personalized repayment plans
- Dependable payment protection options
Spending a little time with a Dupaco lending consultant can help you save a lot on financing! While you’re discussing your loan options, ask for a Money Makeover to see how you could free up extra cash, and potentially save thousands.
Boat & RV Loans
Living your dream just got easier. That’s because Dupaco offers you simple, cost-effective financing options for new and used boats, RVs, trailers, accessories, and more.
Current Rates
| Loan Amount | Term | Annual Percentage Rate (As Low As) 1 |
|---|---|---|
| $10,000-24,999 | 36 Months | 7.29 |
| $10,000-24,999 | 48 Months | 7.59 |
| $10,000-24,999 | 60 Months | 7.89 |
| $25,000-39,999 | 60 Months | 7.09 |
| $25,000-39,999 | 72 Months | 7.34 |
| $25,000-39,999 | 84 Months | 7.59 |
| $25,000-39,999 | 96 Months | 8.59 |
| $25,000-39,999 | 120 Months | 9.59 |
| $40,000+ | 60 Months | 7.09 |
| $40,000+ | 72 Months | 7.09 |
| $40,000+ | 84 Months | 7.34 |
| $40,000+ | 96 Months | 8.34 |
| $40,000+ | 120 Months | 9.34 |
| $40,000+ | 180 Months | 10.04 |
| Boat & RV loan payment example for illustrative purposes only: If you borrow $50,000 at a 7.09% annual percentage rate (APR) with a 60 month term, your minimum monthly payment obligation would be $992.45. Over the life of the loan, you will pay $9546.93 in interest. 1 Boat & RV Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Rates effective 01/01/2023. All loans are subject to approval. Rates, terms, and conditions are subject to change. |
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ATV, Jet Ski & Snowmobile Loans
All-terrain vehicle, jet ski and snowmobile loans typically have higher interest rates and shorter loan terms than a regular auto loan. We offer affordable options for financing or refinancing these types of vehicles.
Current Rates
| Loan Program | Term | Annual Percentage Rate (As Low As) 1 |
|---|---|---|
| Model Year 2025-23 | 36 Months | 8.49% APR |
| Model Year 2025-23 | 48 Months | 8.49% APR |
| Model Year 2025-23 | 60 Months | 8.49% APR |
| Model Year 2022-20 | 36 Months | 8.84% APR |
| Model Year 2022-20 | 48 Months | 8.84% APR |
| Model Year 2022-20 | 60 Months | 8.84% APR |
| Model Year 2019-18 | 36 Months | 9.19% APR |
| Model Year 2019-18 | 48 Months | 9.19% APR |
| Model Year 2019-18 | 60 Months | 9.24% APR |
| ATV Loan payment example for illustrative purposes only:If you borrow $7,500 at 8.49% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $153.87. Over the life of the loan, you will pay $1,732.07 in interest. 1 ATV, Snowmobile, & Jet Ski Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. All loans are subject to approval. Rates effective 4/01/2025. All loans are subject to approval. Rates, terms, and conditions are subject to change. |
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* 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.
Check your money's mileage
- Vehicle payment
Estimate your payment before heading to the dealership. - Car affordability
Figure out what car price and monthly payment you can afford.
- Lease vs. buy
Compare the expenses of buying vs. leasing your next ride. - Auto Refinance
Find out whether you could lower your payments by refinancing your car loan. - Mini-max financing
Calculate a monthly payment with Dupaco’s lease-like option.
- Budget Worksheet
Track all your spending at a glance to better understand how much you can afford to spend on a car. - Car Shopping Guide
Brush up on your loan lingo, learn how to spot a fair price, and compare the differences between buying and leasing.
- Car Accident Checklist
Print this checklist and store it in your dash. In the event you’re involved in an accident, you can use it as a guide to record notes.
