Whether you are buying a New or Pre-Owned vehicle from a dealership or a private party, or refinancing a car loan from another lender, you can count on Dover Federal for low rates and a hassle-free application process. Consider the advantages of getting a pre-approved loan before you go car shopping and you will have the extra bargaining power of a cash buyer.

Dover Federal provides low-cost financing and a rate that is usually significantly less than dealership financing for cars, trucks, motorcycles, boats, and RVs. With flexible terms, no application fees, and no pre-payment penalties, financing your next set of wheels with Dover Federal will make the loan process a breeze!

GAP (Guaranteed Asset Protection)

PROTECT your auto loan from the moment you drive off the lot with GAP. GAP (Guaranteed Asset Protection) is available with the purchase of an auto loan and covers the difference between what your vehicle is worth and what you have left to pay on the loan, should the vehicle be lost, stolen or totaled. You and your vehicle deserve this!

See Auto Rates     Apply for an Auto Loan

  • Loan terms up to 84 months
  • Up to 100% financing
  • NO prepayment penalties
  • NO application fee
  • First-time buyer program^

APR* as low as

Apply Now
  • 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

Apply Now
  • Loan terms up to 180 months^
  • Up to 100% financing
  • NO prepayment penalties
  • NO application fee

APR* as low as

Apply Now

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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.

Atlantic Auto Brokers
Audi Wilmington
Auto Team Delaware
Boulevard Auto Sales
Brandywine Motors, Inc.
Brandywine Smyrna, Inc.
C. F. Schwartz Motor Co.
Chevrolet of Dover
Colonial Motors
Diamond Motor Sports, Inc.
Diver Chevrolet
Enterprise Car Sales Newark
Eric A. Hutt Motors, Inc.
Felton Holly Kia
Hertrich Capitol
Hertrich Ford Lincoln

Hertrich Nissan
Hertrich of New Castle
Hertrich Toyota Scion
Holden Dodge, Chrystler, Jeep, RAM
I.G. Burton
I.G. Burton of Lewes, LLC
I.G. Burton of Seaford
I.G. Burton – Smyrna
Kent County Motors
Koons Lexus of Wilmington
Martin Newark Dealership, Inc.
Mercedes Benz Wilmington
Millsboro Chrysler, Dodge, Jeep Ram
Newark Chrysler, Jeep, Inc.
Newark Toyotaworld
Porter Ford

Porter Hyundai-Chevy
Portner Nissan-Infinity
Price Acura
Price Honda
Price Toyota
Pristine Motorsports
Rommel Harley-Davidson New Castle
Rommel Harley-Davidson Smyrna
Sheridan Ford Sales
Sheridan Nissan, LLC
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

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.


*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.