Auto Loans
Drive Your Dream With Rates That Make Sense
Get behind the wheel faster with DFCU auto financing. Enjoy rates as low as 5.24% APR, flexible repayment terms up to 84 months, and the kind of personal service that makes car buying simple instead of stressful.
Rate & Term Options
Terms That Match Your Budget
We offer a range of loan lengths so you can choose between faster payoff or lower monthly payments. Shorter terms mean less interest over the life of the loan, while longer terms provide more flexibility in your budget.
24–48 months
AS LOW AS
5.74%APR
60 months
AS LOW AS
5.74%APR
72 months
AS LOW AS
5.99%APR
84 months
AS LOW AS
6.74%APR
New & Used Auto Loans
Purchase Financing That Puts You in Control
Shopping for a car is easier when you already know your budget. With pre-approval in minutes, you can walk onto the lot like a cash buyer. Financing is available for new or used vehicles with up to 100% of the purchase price covered, so no down payment is required. Rates start at 5.24% APR for terms from 24 to 60 months, and we even work directly with many dealerships so you can choose DFCU financing on the spot.
Auto Refinancing
Lower Your Rate, Lower Your Stress
If your current loan came with a higher dealer rate, refinancing with DFCU could save you money right away. We make the process quick and seamless—handling the payoff for you—and there are no refinancing fees. Lower your monthly payment, reduce your interest rate, or even access cash-out options using your vehicle's equity.
Vehicle Equity Loans
Your Car's Value Working for You
A vehicle equity loan lets you borrow against your car's value while keeping the keys in your hand. These loans often come with lower rates than credit cards or personal loans, making them ideal for consolidating high-interest debt or covering unexpected expenses. Funding is fast, and repayment is structured with the same predictability as a standard auto loan.
Auto & RV Calculator
Find a car payment to fit your budget with our auto loan calculator!
PrincipalInterest
Estimated payoff date:
06/11/2031
Total interest:
$4,166
Total to be repaid:
$34,166
Shopping Made Simple
Finance Your Way
No matter how you prefer to shop, DFCU makes financing easy. Get pre-approved before you visit a dealership, apply directly through the dealer when you find the right vehicle, or bring us a competing offer and we'll work to beat it. With AutoSmart integration, you can even search inventory while already approved for financing.
Protection Options
Drive With Complete Peace of Mind
We offer additional coverage options to protect you from the unexpected.
GAP Coverage
GAP Coverage
for when your car is totaled or stolen.
Learn More
Mechanical Repair Coverage
Mechanical Repair Coverage
extends your warrant protection.
Get Details
LendShield
LendShield
protects your payments in case of major life events.
View More
Deseret Insurance Agency
Deseret Insurance Agency
offers several insurance products at credit union rates.
See Details
Rates So Low You'll Want to Take the Scenic Route
Whether you're buying new, used, or refinancing your current vehicle, DFCU auto loans are designed to save you money and simplify the process. With instant pre-approval, flexible terms, and local service that treats you like family, getting your dream car has never been easier—or more affordable.
Become a Member Today
Become a Member Today
LDS Members and others are welcome to join us as members.
Save More, Stress Less
Save More, Stress Less
Earn Top Rates with Our High-Yield Savings—No Fees, No Fuss.
APR = Annual Percentage Rate. Best rates shown. Actual rate depends on credit, vehicle age, mileage, and title status. Terms available from 24 to 84 months. 100% financing available OAC. Membership and eligibility required. Available weekdays 8am-7pm, Sat 9am-2pm.