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Keep your car. Pay less monthly.
‘Tis the season for our Holiday Loan.
Early opening and closing - December 9

Auto Loans


Check out these savings when we cut your auto loan rate in HALF!* Certain restrictions apply. Click to apply.

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!

*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?
    Borrow for 66 Months
    and you can borrow up to:
    Loan Amount
    Borrow for 78 Months
    and you can borrow up to:
    Loan Amount
    Borrow for 84 Months
    and you can borrow up to:
    Loan Amount

    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.