Auto Loans in DC, VA, & MD | Democracy FCU - Democracy Federal Credit Union

Auto Loan Details

We provide low rates, 100% financing and great service. Get pre-approved for your loan from Democracy FCU before you visit the dealership. You can upgrade your ride and save hundreds!

Apply for an Auto Loan

*Certain restrictions apply. * Less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges. Subject to other applicable exclusions and limitations, including a loan-to-value maximum.

We offer additional benefits to fit your needs!

Guaranteed Auto Protection (GAP)
- GAP is a supplemental benefit that enhances your standard insurance coverage. GAP pays off your loan balance on a financed, or lease vehicle, if it is stolen or damaged beyond repair.
- GAP waives the difference between your primary insurance carrier’s settlement and the payoff on your loan; it protects the ‘gap’ between your vehicle’s value and the amount you still owe so you can feel confident in knowing your finances and vehicle are protected after an accident. Contact us to learn more and begin applying.
*Gap does not pay lease vehicles
Auto Advantage Program
- Auto Advantage Program is a complimentary deductible with the purchase of GAP. It pays up to $500.00 per loss to your vehicle (unlimited losses per year) when a loss is filed and paid by your primary insurance company for a covered vehicle that you own or lease, and insures under an auto insurance policy designating you as the named insured. Contact us to learn how we can help protect your vehicle with Auto Advantage Program.
Extended Warranty
- Unexpected auto repairs can be budget-busting. Having an Extended Warranty with Democracy FCU can give you peace of mind by knowing you can avoid future financial stress due to mechanical breakdown. Protect your vehicle and finances from whatever life throws your way. Email us or request a call back below to get started.
Contact Us Here For Auto Extras

How much do you want to spend monthly?

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Borrow for 66 Months

and you can borrow up to:

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Borrow for 78 Months

and you can borrow up to:

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Borrow for 84 Months

and you can borrow up to:

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Apply Today Contact Us to Get Started

Calculations use lowest possible rate, and your rate and/or payment may differ. Rates used in payment calculations 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 1.50%. 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.

Submitting a Title to Democracy FCU

Within 90 days of purchasing or refinancing your car or motorcycle, a Certificate of Title or other proof of ownership indicating Democracy Federal Credit Union as the first lienholder must be submitted to Democracy FCU. If the lien-recorded title isn’t received within that time frame, your loan’s APR may be converted to Democracy FCU’s rate for signature/personal loans, which is typically higher. If Democracy FCU files for the lien-recorded title, Democracy FCU will debit the DMV titling fees from your account.

Dealer Purchase

If you purchased your vehicle from a dealer, they may complete your registration paperwork and send to your local DMV. The DMV will then register the vehicle in your name, issue license plates, and send the lien-recorded title to Democracy FCU.

If there’s a delay in receiving the title, contact your dealer to confirm they’ve submitted the necessary paperwork to the DMV. If they already have, contact your state DMV to resolve.

Private Purchase

If you purchased your vehicle from a private seller or are titling the vehicle yourself, most states require you to take the title, bill of sale and a copy of your loan security agreement to your local DMV. Check with your state DMV for any other requirements (e.g., proof of emission testing or insurance coverage). Once the DMV has the necessary documents, the DMV will then register the vehicle in your name, issue license plates and send the lien-recorded title to Democracy FCU.

Refinance From Another Financial Institution

If you refinanced from another financial institution, verify with them that the title was mailed to Democracy FCU. Once Democracy FCU receives the title, we will mail the required paperwork, if any, to your address on file to apply for a lien-recorded title. Democracy FCU will debit the DMV titling fees from your account and submit to the DMV on your behalf.

Lease Buy Out

If you purchased your leased vehicle, verify with the leasing company or dealership that the title was mailed to Democracy FCU. In some cases, the vehicle titling may have to be completed by you. Verify with the leasing company or dealership the steps required to complete the titling of the vehicle.

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