Auto/Truck
- Loan terms up to 84 months
- Up to 100% financing
- NO prepayment penalties
- NO application fee
- First-time buyer program^
APR* as low as
Motorcycle
- Loan terms up to 84 months
- Up to 100% financing
- NO prepayment penalties
- Same rates for pre-owned
- NO application fee
APR* as low as
RV/Boat
- Loan terms up to 180 months^
- Up to 100% financing
- NO prepayment penalties
- NO application fee
APR* as low as
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Find and Finance Your Next Vehicle
Shop for your next vehicle from the comfort of your home, with Dover Federal's Auto Smart Program. We work with over 40 Preferred Dealer Partners across Delaware to help you find your next vehicle.
CLICK HERE to search all dealers for your next vehicle.
CLICK HERE to view a list of our dealer network.
1st Time Auto Buyers Program
Buying your first car can be hassle-free and affordable with Dover Federal’s 1st Time Auto Buyer program^.
Whether you have little or no credit, 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.
Vehicle Refinancing
Get paid to refinance your Auto Loan with one that pays you back with up to $600 per loan1.
Stuck in a not-so-great loan for your vehicle with an interest rate that's draining your wallet? Refinance your auto loan with Dover Federal and get a great rate plus a bonus 1% cash back with the option for no payment for the first 90 days of the loan1.
*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.
1All loans subject to credit approval. Rate may vary based on credit, term and value. Minimum loan amount of $5000. $600 maximum cash back amount per vehicle loan. This offer cannot be combined with any other DFCU incentive program and existing DFCU loans are not eligible for this offer. The stated Auto Loan rate is discounted which includes: a requirement of automatic loan payment transfers, direct deposit of net pay and a checking account for .50% discount. Refinanced vehicle must be titled with permanent tags established. Loan must be open for one (1) year from the original date of the loan or the cash back amount will be added to the loan payoff amount. Other terms and conditions may apply. Cash back payments may subject Member to state, local and/or federal tax liability. Please consult a tax professional.
**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.
Member Testimonial
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!
Barbara - Hartly, DE
