You’re already a Dupaco member. So why not enjoy all the perks that come with it? For a limited time, move one or more eligible loans here and earn up to $300* cash back. It’s a simple switch that could lower your payment and put a little extra in your pocket.
It’s easier than you might think—and it could pay off faster than expected, especially with no upfront fees to get started.
Bring over an auto, motorcycle, personal or recreational loan from another lender of $5,000 or more.
Choose your loan below and apply online—then mention this offer when you connect with a lender.
Earn 1% of your refinanced amount as cash back—up to $300*—paid shortly after your loan is funded.
Go ahead, take a breather. Your first loan payment at Dupaco could be delayed up to 45 days!
Great for: Simplifying high-interest debt and rolling multiple payments into one.
Great for: Lowering your rate or payment on an auto or motorcycle loan you're overpaying for.
Great for: Keeping the fun—like your boat, RV or ATV—while freeing up cash for your next adventure.
"I feel Dupaco sets the GOLD standard that all other credit unions and banks should try to follow! Dupaco has such caring and non-judgmental people who work with you and make you feel valued!"
"I have always stated that Dupaco has always been so good to my husband and I. I will always come to Dupaco first."
"I have been a member for many years, and whether I am spending, saving or borrowing, I have always been treated with respect and kindness by knowledgeable people."
| Term | Annual Percentage Rate (As Low As)1 |
|---|---|
| 24 Months | 9.99% |
| 36 Months | 10.49% |
| 48 Months | 10.99% |
| 60 Months | 12.49% |
Rates are effective as of 10/22/2024. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Personal Loan payment example for illustrative purposes only: If you borrow $5,000 at an 10.49% annual percentage rate (APR) with a 36-month term, your minimum monthly payment obligation would be $162.45. Over the life of the loan, you will pay $847.81 in interest.
1Personal Loan Rates: Loan annual percentage rates (APR) based on member credit qualification and term. All loans are subject to approval. Rates, terms, and conditions are subject to change.
| 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.
| Loan Amount | Term | Annual Percentage Rate (As Low As) |
|---|---|---|
| $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.
1Boat & 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.
| Loan Program | Term | Annual Percentage Rate (As Low As)1 |
|---|---|---|
| Model Year 2026-23 | 36 Months | 8.34% APR |
| Model Year 2026-23 | 48 Months | 8.34% APR |
| Model Year 2026-23 | 60 Months | 8.34% APR |
| Model Year 2022-21 | 36 Months | 8.54% APR |
| Model Year 2022-21 | 48 Months | 8.54% APR |
| Model Year 2022-21 | 60 Months | 8.54% APR |
| Model Year 2020-19 | 36 Months | 8.89% APR |
| Model Year 2020-19 | 48 Months | 8.89% APR |
| Model Year 2020-19 | 60 Months | 8.94% APR |
ATV Loan payment example for illustrative purposes only:If you borrow $7,500 at 8.34% annual percentage rate (APR) with a 60-month term, your minimum monthly payment obligation would be $153.32. Over the life of the loan, you will pay $1,698.58 in interest.
1ATV, 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 02/01/2026. All loans are subject to approval. Rates, terms, and conditions are subject to change.
Yes—you can bring over multiple loans from elsewhere and even combine them into one at Dupaco.
Nope. As long as one loan is an eligible type (auto, motorcycle, personal or recreational), others can come along if they're eligible for consolidation.
It’s based on 1% of the loan balance you move to us, up to $300*. It's our way of saying thanks for bringing your loan to your credit union!
We don't like waiting, and we bet you don't either. You'll see that cash back shortly after your new loan is funded (within 3-5 business days).
*The 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.
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Heads up! This link leads to a different website.
We only do this when it's helpful for you. But we must inform you that Dupaco isn't responsible for the site's content, products, services, policies or sponsors. Also, Dupaco's Privacy Policy does not apply to third-party sites. So, if you have concerns, please look at its privacy disclosures.