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Auto Loans That Help You Get There

Whether you want to pre-qualify for auto-financing or refinance your current auto loan, we’ll help you get there. See if you pre-qualify with no impact to your credit score.

 

Check Application

CHECK YOUR RATE
Ready to get started and discover your rate?
Start your application with no credit impact.

FIND DEALER PARTNERS
We've highlighted local dealers to provide you with transparency, confidence, and a stress-free shopping experience.

What do I need?

 MORE INFORMATION
Have questions? Check our frequently asked questions for more information.

Receive a CASH BACK auto loan that pays up to $600

Take advantage of Dover Federal’s competitive rates. Lower your monthly car payment while also receiving 1% cash back. We offer flexible payment options that allow you to make no payment for up to 90 days! See your pre-qualified offers in as little as 2 minutes.

CHECK YOUR RATE

Finance Your Next Vehicle with Us

Buying a car should be easy. Whether you are buying your first car or dream car, we are here to help you figure out what works best to fit your budget.

 

 

Terms


Terms up to 84 months

Extended terms allow you to finance the car of your dreams with a monthly payment that fits your budget.

Terms


Up to 100% Financing

Plans are available to finance the entire cost of your vehicle. No down payment, no problem.

No prepayment penalty


No Prepayment Penalty

There is no fee for paying your loan off early and reducing the amount of interest you'll pay.

Discounted Rate


Rate Discount

Set up Direct Deposit to a Dover Federal checking account and sign up for automatic payments to enjoy a rate discount on your auto loan.

AutoSMART

Find Your New Car with Dover Federal's Auto Smart Program

We make the car-buying process easy. Search for your new vehicle from over 40 Preferred Dealer Partners across Delaware.

Search all preferred dealers

Atlantic Auto Brokers
Audi Wilmington
Auto Gallery
Auto Team of Delaware:

  • Delaware Cadillac
  • Delaware Subaru
  • Kia of Wilmington

Boulevard Auto Sales
C. F. Schwartz Motor Co.
Colonial Motors
Diamond Motor Sports, Inc.
Diver Chevrolet
Felton Holly Kia
Gateway Subaru of Salisbury
Hertrich Capitol
Hertrich CDJR of Elkton
Hertrich Chevrolet of Dover
Hertrich Ford Lincoln
Hertrich Nissan
Hertrich of New Castle
Hertrich Toyota Scion

I.G. Burton
I.G. Burton CDJR of Berlin
I.G. Burton Chevrolet of Berlin
Newark Chrysler, Jeep of Newark
I.G. Burton of Lewes, LLC
I.G. Burton of Seaford
I.G. Burton – Smyrna
Kent County Motors
Koons Lexus of Wilmington
Koons Toyota of Easton
Lakeshore Chrysler, Dodge, Jeep, Ram
Martin Newark Dealership, Inc.
Matt Slap Subaru Newark
Mercedes Benz Wilmington
Millsboro Chrysler, Dodge, Jeep Ram
My Car of New Castle
Newark Toyotaworld
NuCar Chevrolet

Pohanka Group
Pohanka Chrysler, Dodge, Jeep, Ram
Pohanka Ford of Salisbury
Pohanka Kia of Salisbury
Porter Ford
Porter Hyundai-Chevy
Preston Chrysler Dodge Jeep Ram of Wilmington
Preston Dodge, Chrysler, Jeep Ram of Dover
Preston Group
Price Acura
Price Honda
Price Toyota
Pristine Motorsports
Rommel Harley-Davidson Smyrna
Selbyville Holly Kia
Smith Volkswagen
The Car Store Laurel
The Truck Store Dover
Union Park Automotive Group
Willis Chevrolet Buick
Winner Ford, Hyundai
Winner Subaru Volkswagen

1st Time Auto Buyers Program

Congratulations! Buying your first car is a big step and we are here to help you. We work with our members to help them achieve financial goals and first-time car buying is a big step. but it can be hassle-free and affordable.
Little or No Credit Needed

Little or No Credit Needed

We make it easier to qualify
Financing up to 100% LTV

Financing up to 100% LTV

Excluding title, taxes, tags, and document fees
Maximum Loan Amount up to 50% of Your Annual Income

Maximum Loan Amount up to 50% of Your Annual Income



Frequently Asked Questions About Auto Loans
 

Q. What is an advantage of applying for an auto loan with Dover Federal Credit Union?

A. Dover Federal is your community credit union and we work with you to help you achieve your financial goals. When you apply for a loan with us, we make the process quick and easy. Once you apply, one of our team members will connect with you to help you navigate the process. After all, we want to see you riding around town in your new set of wheels and it's our goal to make that happen!

Q. How long does the application process take?

A. After you apply online, a Dover Federal team member will be in contact with you in one business day. We will work with you to make the process efficient and easy and get you a fast approval.

Q. Do I need to be pre-approved?

A. Being pre-approved will help you know what you can afford and allows you to negotiate a better price for your vehicle. This will help make the buying process faster. 

Q. How do I get started?

A. Great question! You can apply right here and get started with the auto loan approval process. The sooner you apply, the sooner we can get you on the road.


 

Ready to apply for your auto loan? Start your application online today.

CHECK YOUR RATE

 

 


*APR = Annual Percentage Rate. APR may vary based on creditworthiness. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness and terms of the loan. Rate is subject to change. Financing up to the retail value of the auto may be available. This offer may not be combined with any other offer. The stated Auto and Motorcycle Loans rate is discounted which includes: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount. Terms and conditions may apply. See Credit Union for details. Refinancing of existing Dover Federal Loans may not be available.

**LTV is Loan to Value. ^Borrow up to 100% LTV (excluding title, taxes, tags, and document fees) with a maximum loan amount equal to or less than 50% of your annual income. Vehicle can not be older than 10 years and have no more than 100,000 miles. Loan rate discount may qualify with a Share Draft Account with Direct Deposit and auto transfer. Rates and terms subject to change.