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Wondering how much you can spend on a new or used vehicle? First, you’ll want to figure out how much money you can put toward a car payment each month. (Hint: A free Dupaco Money Makeover can help you with that!) Then, decide how long you’re willing to spend paying off the vehicle. Here’s how to get the most out of our vehicle affordability calculator:

  • Start with a monthly payment you can realistically afford.
  • Enter the interest rate you think you’ll qualify for.
  • Estimate how much sales tax you’ll pay based on where you live.
  • If you’re trading in a vehicle, you can use a source like Kelley Blue Book to get an idea of how much it’s worth.

For more information or to receive assistance with your loan application, give our Consumer Loans department a call at 800-373-7600, ext. 306!

Loan ProgramTermAnnual Percentage Rate (As Low As) 1
2022-24 Model Year60 Months6.99% APR
2022-24 Model Year66 Months7.04% APR
2022-24 Model Year72 Months7.14% APR
2022-24 Model Year78 Months7.24% APR
2022-24 Model Year84 Months7.34% APR
2020-21 Model Year60 Months7.34% APR
2020-21 Model Year66 Months7.39% APR
2020-21 Model Year72 Months7.49% APR
2018-19 Model Year48 Months7.99% APR
2018-19 Model Year60 Months8.04% APR
2018-19 Model Year72 Months8.19% APR
2015-17 Model Year36 Months8.09% APR
2015-17 Model Year48 Months8.14% APR
2015-17 Model Year60 Months8.19% APR
2014 Model Year (and older)36 Months10.59% APR
2014 Model Year (and older)48 Months10.69% APR
Rates are effective as of 1/1/2024. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Auto loan payment example for illustrative purposes only: If you borrow $30,000 at a 6.99% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $593.96. Over the life of the loan, you will pay $5637.34 in interest.

1 Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.

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