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Auto & Motorcycle Loans

Get on the road with fast approval and low rates
 

Pre-approval

Shop smarter and apply before you buy!

A little preparation goes a long way. That’s why we offer a simple pre-approval process that helps you determine how much you can afford. Once you apply, we’ll connect you with a lender to discuss your budget and financing options.

Get pre-approved   Compare rates

Auto financing

Buying new or used? Looking to refinance?

Whichever option fits you best, here’s what you can expect when financing with us:

  • Easy online application process and fast approval*
  • Local financing, repayment and service
  • Flexible repayment terms
  • Personalized repayment plans
  • Dependable payment protection options
  • No early payoff fees

Mini Max

Want a newer car, but a smaller payment?

Ask us about Mini-Max—Dupaco’s lease-like option for both new and used vehicles—that makes getting a better set of wheels more affordable. With this option, you could lower your monthly payments by up to 40% compared to conventional loans. Its flexible terms include:

  • No or low down payment
  • Low monthly payments
  • Mileage plans to fit your driving habits
  • Plenty of options for end of term
Get on the road with low interest rates

As a member-owned financial cooperative, our earnings are returned directly to our members in the form of lower fees, loan rates and many more perks! Explore our auto loan rates:

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.

Resources to get you behind the wheel
How much will I pay?

How much will I pay?

Use our auto loan calculator to see what your monthly payment could be.

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Protect your new ride

Protect your new ride

Save on auto insurance costs without cutting corners.

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Ready to talk numbers?

Ready to talk numbers?

Check out these tips so you’re better prepared to talk to your dealer.

Download the guide > 

Common FAQs

Have questions? We have answers.

Our team of experts has answers to some of your most commonly asked questions. But if you’d rather talk to a human, you can give us a call at 800-373-7600, ext. 306 or drop us a message here.

Financing a new car is a big decision that will impact your monthly budget for the entire loan term. You’ll want to know the answers to these questions before you finance a car:

  • Is this the lowest interest rate I can get without extending the term?
  • What’s the total cost of this car? (Don’t forget to include your loan amount, interest, taxes, title, license fees, potential dealer fees and auto insurance.)
  • What will my monthly payment be with this loan?
  • Are there any available incentives to bring down the cost of this loan?
  • What does my service contract or extended warranty cover (and not cover)? (You can explore Dupaco’s payment protection options here.)

Bonus: You can download our free car-buying guide for more tips to keep in mind when buying a new or used vehicle.

Download the guide

Each situation is unique. But you have a few options to consider when deciding what works best for your budget and needs:

  • Financing: You can purchase your car with a loan from a lender like a credit union or bank. At Dupaco, you can apply for preapproval for a vehicle loan, making your car shopping experience easier. If you’re buying a new vehicle, you also might be able to get Dupaco financing right at the dealership* if you’re a member or are eligible to become a member! Find a dealer here.
  • Leasing: A lease is a contract to use the car for a set time and then turn the car back in at the end of that contract (lease). Hint: Dupaco’s Mini-Max gives you a lease-like option for both new and used autos!

Learn what to consider when deciding whether to lease or finance a car.

Your monthly payment will be determined by your:

  • Loan amount: You can reduce your loan amount by paying a larger down payment and/or trading in a vehicle with equity when you buy a new car.
  • Annual percentage rate: Usually referred to as the APR, this is the effective interest rate you pay on your loan. Your credit score and other factors will determine your interest rate.
  • Loan term: You’ll need to decide how long you want to take to pay off your loan. The longer you pay, the more overall interest you’ll also pay.

You can get a feel for your monthly payments with this calculator.

Your loan rate will directly affect your monthly payments, so you’ll want to try to earn the lowest rate possible. These tips can help:

  • Boost your credit score before you apply for a loan. The higher your credit score, the lower the interest rate you might pay. Hint: A free Credit History Lesson can help show you how to build your credit! And Dupaco members have free access to their credit score in Bright Track.
  • Compare auto loan rates so you know all your options.

At Dupaco, we believe you’re more than a credit score. And your score is just one piece of the puzzle. Each situation is unique. So, we encourage you to apply, regardless of your credit score (even if you don’t yet have one!). We’ll follow up with you to review your application and talk about next steps.

Apply today

At Dupaco, we strive for same-day loan decisions during regular business hours. If you’re applying for a Dupaco auto loan at the dealership, we strive to provide you a decision the same day or the next business day.

Contact us

Wanna talk? We're here to help!

Drop us your info below and we’ll be in touch. Need to talk sooner? Just give us a call at 800-373-7600, ext. 306.

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

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