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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 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.
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.
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
There is no fee for paying your loan off early and reducing the amount of interest you'll pay.
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
1st Time Auto Buyers Program
Little or No Credit Needed
Financing up to 100% LTV
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.
*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.
This is a great credit union. The employees are friendly and do their job well. The rates are great and the fees are low. I will never use a regular bank again!