Auto Loans: Drive Your Dream With Rates That Make Sense
Get behind the wheel faster with DFCU auto financing. Enjoy rates as low as 4.99% 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
60 months
AS LOW AS
72 months
AS LOW AS
84 months
AS LOW AS
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 have confidence knowing how much you qualify for before you visit the dealership. Rates start at 4.99% APR* for terms from 24 to 84 months. 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.
Title Loans
Your Car's Value Working for You
A title 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!
Estimated payoff date:
10/24/2031
Total interest:
$4,166
Total to be repaid:
$34,166
The information provided in this calculator is an estimate and is for illustrative purposes only. Its accuracy is not guaranteed, and it should not be considered financial, legal, or tax advice. There may be other costs associated with obtaining the loan not included here. Figures shown are hypothetical and may not apply to your situation. This calculator does not pre-qualify you for any loan program. Before making any financial decisions, consult with a qualified financial advisor, accountant, attorney, or other appropriate professional.
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
for when your car is totaled or stolen.
Mechanical Repair Coverage
extends your warrant protection.
LendShield
protects your payments in case of major life events.
Deseret Insurance Agency
offers several insurance products.
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.
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*APR = Annual Percentage Rate. The annual percentage rates (APRs) listed above represent our best available rates. Your individual rate may be higher depending upon your creditworthiness as well as the age, mileage and title status of the vehicle. Offer subject to change. OAC.