Auto Loan Promo 2.2018

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Pays off your loan balance if your car is stolen or damaged beyond repair.

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Complimentary deductible reimbursement with the purchase of GAP.

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Protection from budget-busting vehicle repairs.

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New and existing members may be eligible for discounts. Ask us how!

New Auto Loan Rates

Table data for New Auto Loan Rates
Effective 07-15-2020
Term	Loan Amount	APR (as low as)¹	Monthly Payment Per $1,000 Borrowed	Amount	Estimate Your Payment
66 Months	Up to $25,000	2.35%	$16.17	Up to 125% of MSRP to include tax, tags, warranties and GAP	Estimate Your Payment

78 Months	$15,000 to $35,000	3.05%	$16.48	Up to 125% of MSRP to include tax, tags, warranties and GAP	Estimate Your Payment

84 Months	$35,000+	4.30%	$17.05	Up to 125% of MSRP to include tax, tags, warranties and GAP	Estimate Your Payment

A New Auto is an untitled auto or current year model.
¹Annual Percentage Rate. The New Auto rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.↵

Table data for Used Same as New Auto Loan Rates
Effective 07-15-2020
Term	Loan Amount	APR (as low as)¹	Monthly Payment per $1,000 Borrowed	Amount	Estimate Your Payment
66 Months	Up to $15,000	2.35%	$16.17	Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP	Estimate Your Payment

78 Months	$15,000 to $35,000	3.05%	$16.48	Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP	Estimate Your Payment

84 Months	$35,000+	4.30%	$17.05	Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP	Estimate Your Payment

A Used Same as New Auto includes model years 2018 and 2019 that are untitled autos or current year models.
¹Annual Percentage Rate. The Used Same As New rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.↵

Table data for Used Auto Loan Rates
Effective 07-15-2020
Term	Loan Amount	APR (as low as)¹	Monthly Payment per $1,000 Borrowed	Amount	Estimate Your Payment
66 Months	Up to $15,000	2.75%	$16.35	Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP	Estimate Your Payment

78 Months	$15,000 to $35,000	3.65%	$16.75	Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP	Estimate Your Payment

84 Months	$35,000+	4.65%	$17.21	Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP	Estimate Your Payment

A Used Auto includes model years 2014, 2015, 2016, 2017, and 2018.
¹Annual Percentage Rate. The Used Auto rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.↵

TRUECar: Your one-stop shop for buying your next vehicle. Search for the vehicle you want, pick the price you want to pay and apply for financing from your trusted Credit Union.
New Member Auto Loan Discounts: New Democracy FCU members have 90 days to cash in on a .50% APR¹ discount on auto loans.
Member Loyalty Rate Discount Program: For your years of Loyalty to Democracy Federal Credit Union, we would like to say thank you, by offering a discount on interest rates for automobile loans*.