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Drive your auto loan over to Democracy FCU today and you could save thousands!
Auto Loans
When it comes to auto loans, we want our members to get an excellent deal. We provide low rates, 100% financing and great service. Plus, our discounts for Member Loyalty and our New Members help you save even more! Get pre-approved for your loan from Democracy FCU before you visit the dealership. You can upgrade your ride and save hundreds!
Guaranteed Auto Protection (GAP)
Pays off your loan balance if your car is stolen or damaged beyond repair.
Auto Advantage Program
Complimentary deductible reimbursement with the purchase of GAP.
Extended Warranty
Protection from budget-busting vehicle repairs.
Member Discounts
New and existing members may be eligible for discounts. Ask us how!
New Auto Loan Rates
| Term | Loan Amount | APR (as low as)1 | Monthly Payment Per $1,000 Borrowed | Amount | Estimate Your Payment | Alert Me |
|---|---|---|---|---|---|---|
| 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 model year 2022 or newer. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. | ||||||
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Used Same as New Auto Loan Rates
| Term | Loan Amount | APR (as low as)1 | Monthly Payment per $1,000 Borrowed | Amount | Estimate Your Payment | Alert Me |
|---|---|---|---|---|---|---|
| 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 2020 and 2021 that are untitled autos or current year models. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. | ||||||
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Used Auto Loan Rates
| Term | Loan Amount | APR (as low as)1 | Monthly Payment per $1,000 Borrowed | Amount | Estimate Your Payment | Alert Me |
|---|---|---|---|---|---|---|
| 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 2015, 2016, 2017, 2018 and 2019. Rates, terms, and conditions vary based on credit worthiness and other qualifications are subject to change. | ||||||
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Auto Loan Resources
Information and Services
- 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*.