Heres a breakdown of the average interest rates given out by credit score: *Statistics sourced from Experian's State of the Automotive Finance Market Report: Q3 2022. Rates are determined by loan amount, creditworthiness, loan-to value (LTV), dept-to-income (DTI), loan term, occupancy status, property type, loan purpose, property location and lien position, so your rate could be higher. Auto loan rates on the DCU website reflect rates available to borrowers with excellent credit and a 0.5 percentage point discount. Loans for new cars tend to receive lower interest rates. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges for important information and disclosures. Both account for several measures of financial wellness, including payment history, credit utilization,. Use our online application to apply for an auto loan from DCU today! Credit union membership is required to finalize and fund a vehicle loan, but individuals can submit a loan application and join DCU after receiving their loan decision. If you have problems or questions when applying online or wish to apply by phone, you can contact a DCU Consumer Loan Call Center representative 24/7. The lack of a 12-month or 24-month term can be a disadvantage for some. The Annual Percentage Rate for our undergraduate and graduate private education line of credit will be fixed for the life of the loan. DCU offers loan terms of up to 84 months for new, used and refinance loans. Offers a tax advantage to help offset healthcare expenses. She spent more than 30 years in banking as a writer of financial education content. New and used auto loans are available, with an annual percentage rate (APR) starting from 3.74% and loan term options from 36-84 months. Annual Percentage Rate **Rate based on A+ credit, and auto payments. It gives insights into past credit accounts, signaling how financially stable the applicant has been. Read about the many benefits of DCU auto loans here. DCU gives a 0.5% rate discount for direct deposit, so you'll probably get 1.74% for a 65 month loan without direct deposit. Minimum daily balance of $500.00 to earn APY. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account. The first payment after the 60-day no payment period will first be applied to the interest accrued from the date the loan is funded to the first payment date and then applied to the principal due. The same penalties apply on amounts prematurely withdrawn from a Certificate. Payments received after 4 p.m. Eastern time will be credited to your account the second business day. Applications are also taken 24/7 through a consumer loan call center and in credit union branches. Other conditions may apply. Published rate includes a 0.50% discount given when you maintain electronic payments and Plus or Relationship benefits on your DCU checking account. HSA = Health Savings Account transactions are subject to IRS rules and regulations.
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