How to refinance your auto loan (and when it makes sense)
You might be familiar with refinancing a mortgage. But what about refinancing your auto loan? Many people don’t realize it’s even...
Auto Loans For Every Ride
Whether you're buying a car, truck, or motorcycle, getting the right financing should feel just as smooth as the drive. Plus, explore our current inventory of vehicles available for purchase
Why You'll Love It
Fast Preapproval
Know your budget before you shop. Our quick online preapproval process helps you see what you can afford before you commit.
Flexible Financing
New, used or refinancing? Find a loan that fits you best with low rates, flexible terms, personalized repayment plans and no early payoff fees.
Helpful support
Our lenders are here to help you every step of the way. From preapproval to your first payment, we’ll help you get on the road fast.
Extra Peace of Mind
Life happens. Optional payment protection can help keep your loan payments on track if the unexpected comes along.
RATES
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:
Auto Loan Rates
| Loan Program | Term | Annual Percentage Rate (As Low As) |
|---|---|---|
|
2023–26 Model Year
|
60 Months
|
5.34% APR
|
|
2023–26 Model Year
|
72 Months
|
5.44% APR
|
|
2023–26 Model Year
|
84 Months
|
5.54% APR
|
|
2021-22 Model Year
|
60 Months
|
5.59% APR
|
|
2021-22 Model Year
|
72 Months
|
5.74% APR
|
|
2021-22 Model Year
|
84 Months
|
5.99% APR
|
|
2017-20 Model Year
|
60 Months
|
6.29% APR
|
|
2017-20 Model Year
|
72 Months
|
6.44% APR
|
|
2016 Model Year (and older)
|
48 Months
|
8.54% APR
|
Rates are effective as of 1/1/2026. 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 5.34% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $570.72. Over the life of the loan, you will pay $4243.08 in interest.
1Auto Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and total loan amount. Mini-Max Loans: Add 1% to conventional rates.
Financing, Right There
Buying at a dealership? If you’re already a Dupaco member—or eligible to become one—you may be able to get your auto or motorcycle loan on the spot. Our dealer partners offer on-site financing, so you can enjoy all the benefits of a Dupaco auto loan right when and where you need it.
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MINI MAX
Newer Rides With
Smaller Payments
Dupaco’s Mini Max is a flexible way to drive a newer vehicle with a smaller monthly payment—often up to 40% less than a traditional auto loan. It’s available for new or used vehicles up to 6 calendar years old, with terms from 36 to 72 months and mileage plans based on how much you drive. You can trade in, sell or refinance any time. And when the term ends, you can refinance, trade, sell—or return the vehicle and walk away.
FOR SALE
Repossessed Vehicles for Sale
While our goal is always to help members stay on track, there are times when vehicles must be repossessed. When that happens, we make these vehicles available for purchase. To place a bid or get more details on a listing, email us at bids@dupaco.com or call us at 800-373-7600, ext. 208.
How the Process Works
Minimum Bid
All bids must equal or exceed the listed minimum amount.
Bidders
An auction begins once three separate bidders place a bid on a vehicle.
Highest Offer
The highest bidder earns the right to purchase the vehicle.
FOR SALE
Accepting Bids On
For Sale by Dupaco
| Year | Make/ Model | VIN | Minimum Bid | Date Available | Mileage | Location |
|---|---|---|---|---|---|---|
|
2013
|
Chevrolet Cruze
|
1G1PE5SB1D7290525
|
$2,900
|
04/05/2026
|
132,416
|
Iowa |
|
2019
|
Hyundai Elantra
|
5NPD84LF5KH484030
|
$6,275
|
04/07/2026
|
Unknown
|
Iowa |
|
2016
|
Nissan Murano
|
5N1AZ2MHXGN121195
|
$2,770
|
04/10/2026
|
198,844
|
Illinois |
|
2016
|
Kia Soul
|
KNDJN2A29G7361441
|
$3,750
|
04/12/2026
|
127,756
|
Iowa |
|
2015
|
Ford Fusion
|
3FA6P0H96FR223120
|
$6,325
|
04/13/2026
|
119,012
|
Iowa |
|
2018
|
Cadillac XT5
|
1GYKNFRS5JZ119414
|
$17,350
|
04/14/2026
|
Unknown
|
Iowa |
|
2020 |
Chevrolet Traverse
|
1GNERHKW4LJ216189
|
$16,525
|
04/22/2026 |
100,583
|
Illinois |
We always strive to help our members navigate life’s bumps and get back on the right financial road, but we sometimes have to repossess vehicles. To place a bid on a vehicle or for more listing information, email us at bids@dupaco.com or call us at 800-373-7600, ext. 208.
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Frequently Asked Questions
-
What’s the best way to finance a car or motorcycle?
The best option depends on your budget, timeline and how long you plan to keep the vehicle. Auto loans offer predictable monthly payments and long-term ownership, while leasing usually comes with mileage limits and no ownership at the end. For something in-between, Dupaco’s Mini Max offers a lease-like option for both new and used vehicles.
Learn what to consider when deciding whether to lease or finance a car.
-
How do I finance a car for the first time?
Start by understanding what you can comfortably afford each month—not just the sticker price. Be sure to factor in your loan amount, interest, taxes, fees and insurance. It also helps to look for incentives, consider a down payment or trade-in, and get preapproved so you’re not guessing at the dealership.
-
What will my monthly payment be?
Your payment is based on three main things:
- Loan amount: You can reduce it with a larger down payment or trade-in.
- Interest rate (annual percentage rate): This is the rate you pay to borrow. Your credit score and other factors will influence your rate.
- Loan term: Longer terms mean lower payments but more overall interest over time.
You can get a feel for your monthly payments with this calculator.
-
How can I get the best auto loan rate?
Your loan rate will directly affect your monthly payments, so a few smart steps can make a big difference:
- If possible, check your credit and improve it before applying. A free Credit History Lesson could help show you how to build your credit!
- Compare loan options so you know what’s available.
- Get preapproved for a loan so you know your rate and budget upfront.
-
What credit score do I need to get an auto loan at a credit union?
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.
-
How long does an auto loan approval take?
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 try to provide you with a decision the same day or the next business day.
-
What is auto loan preapproval, and how does it work?
Preapproval lets you find out how much you may be able to borrow—and at what rate—before you choose a vehicle. Your credit is reviewed, but you don’t need to provide details about a specific car yet. Most applications take just a few minutes, there’s no cost to apply and you may get a response right away. If we have questions about your application, we’ll call you before making a decision.
-
I found the car I want—what happens next?
You’re ready to finalize the loan details with your lender! In most cases, paperwork can be completed electronically without a trip to a branch. After everything’s signed, the funds will be transferred into your account so you can complete your purchase and enjoy your new ride.
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.