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

Refinance your vehicle and start saving on your monthly bill while enjoying the upfront 1% cash back that you can use on anything you want and has the option to make no payment for up to 90 days! To apply or learn more about this promotion, you can:

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Finance Your Next Vehicle with Us

At Dover Federal Credit Union, we help you, our members, achieve your financial goals. Whether you are buying your first car or your dream car, we have a loan package that fits your budget.



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Terms up to 84 months

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

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Up to 100% Financing

No down payment, no problem. Dover Federal offers plans that finance the entire cost of the vehicle.

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No Prepayment Penalty

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

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No Application Fee

Apply for an auto loan with us and expect no extra fees.



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

We work with over 40 Preferred Dealer Partners across Delaware to help you find your next vehicle. You can search for your new car from trusted dealers, making the car buying process easy.

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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

Holden Dodge, Chrysler, Jeep, RAM
I.G. Burton
I.G. Burton CDJR of Berlin
I.G. Burton Chevrolet of Berlin
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 Chrysler, Jeep, Inc.
Newark Toyotaworld
NuCar Chevrolet
Pohanka Group

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


First Time Auto Buyer

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 with Dover Federal’s 1st Time Auto Buyer program.

Little or no credit? Don't worry. Purchasing your first car can be possible. 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. Apply online and get started towards this big step. We will get you off to a strong financial future in your new set of wheels.

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. 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.