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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

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


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

What do I need?

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

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 up to 84 months

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


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.


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
Boulevard Ford Lincoln – Georgetown (Preston)
Boulevard Ford Lincoln of Lewes (Preston)
Colonial Motors
Diamond Motor Sports, Inc.
Diver Chevrolet
Felton Holly Kia
Floyd A Megee Motor Company
Frederick Ford
Gateway Subaru of Salisbury
Hertrich Buick GMC
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
I.G. Burton Newark Chrysler Dodge Jeep Ram
I.G. Burton of Lewes, LLC
I.G. Burton of Seaford
I.G. Burton – Smyrna
I.G. Burton Toyota of Dover (formerly CF Schwartz)
Kent County Motors
Koons Lexus of Wilmington
Lakeshore Chrysler, Dodge, Jeep, Ram
Martin Newark Dealership, Inc.
Mercedes Benz Wilmington
Millsboro Chrysler, Dodge, Jeep, Ram (Preston)
My Car of New Castle
Newark Toyotaworld
NuCar Chevrolet
Pittsville Ford
Pohanka Chrysler, Dodge, Jeep, Ram
Pohanka Ford of Salisbury
Pohanka Kia of Salisbury
Pohanka Honda/Nissan
Pohanka Toyota/Mercedes Benz
Pohanka VW (Salisbury)

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




*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. New Auto Loans are eligible for 5 most recent model years. Used Auto Loans are eligible for model years 2015 through 2021. 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.

^All qualified loans are subject to approval and are granted based on individual creditworthiness, the ability to repay, and credit score. The payment deferral is available on qualifying new and used auto, boat, motorcycle, and RV loans and must be elected at the time of loan disbursement for a deferral of up to 60 or 90 days, depending upon qualification. Finance charges begin accruing from the date of loan disbursement. Loan must be funded by Sept. 30, 2024. Offer not valid on existing Dover Federal Credit Union loans and cannot be combined with any other offers. See Credit Union for details.