Get as low
as 7.75% ^{APR 1}

APR = Annual Percentage Rate. Promotional 7.75% APR is fixed for qualifying auto loans with up-to-a 60-month term. Terms longer than 60 months do not qualify for this offer. Minimum loan amount to qualify is $10,000. Offer applies to auto loans new to DFCU or refinancing of auto loans from other financial institutions only; existing DFCU auto loans do not qualify. Eligible vehicles are model years 2020 and newer. Vehicles from model year 2019 or earlier do not qualify. Loan approval is not guaranteed and is subject to DFCU’s standard underwriting guidelines. Promotional rate reflects the B-tier credit rate and is available to all approved borrowers, regardless of credit tier. No additional rate discounts apply. Other non-promotional rates and terms are available. Offer valid September 22 – October 31, 2025. Rates, terms, and conditions are subject to change without notice. Membership in good standing with DFCU required. Federally insured by NCUA.

$0 Monthly Payment for 3 months: No Payment/loan deferral program only applies to new vehicles (model years 2024 & newer) and used vehicles up to 5 years old. Primary member's FICO score must be 660 or greater. New money only; no refinancing of a current DFCU loan. The minimum loan amount is $5,000. Loan interest will accrue from the date of loan disbursement & the life of the loan is extended by 3 months. Membership in good standing is required to qualify for this loan promotion. Members can make additional payments at any time. The actual rate you qualify for will be based on credit history and other factors.

Includes purchase price, tax, license, and extended warranty

Members are eligible to use DFCU's Skip-a-Pay service after six (6) consecutive payments on eligible loans, loan must be in good standing. If you do not include the $50 skip processing fee with your request or if there are insufficient funds available in the account you specify to pay the fee, your Skip-A-Pay request will not be processed, and your regularly scheduled loan payment must be paid. If you take advantage of this Skip-A-Pay offer, your loan will continue to accrue interest during that time. While deferring your next loan payment will extend the term of your loan, you always have the option of making additional or larger payments in the future with no prepayment penalty to pay down your loan faster. By accepting this offer, you request that Downey Federal Credit Union (DFCU) defer your next loan payment for the loan indicated. You also understand and agree that: (1) finance charges will continue to accrue at the rate provided in your original loan agreement, during and after that time; (2) deferring your next payment will result in you having to pay higher total finance charges than if you made your payments as originally scheduled; (3) this payment deferral will extend the term of your loan by one month and you will have to make extra payments after your loan would otherwise be paid off; and (4) you will be required to resume your next regularly scheduled monthly payment in the month following the deferred payment. All payment deferral requests are subject to DFCU approval. All DFCU accounts must be in good standing. All your DFCU loans must be current (have no amounts past due) at the time you choose to accept this offer for your qualifying loan. Certain other restrictions may apply. The loan has to be on the books for 6 months. 6 loan payments must be made before another payment can be skipped. Loans must be current - future payments only. Must be a minimum monthly payment of $100. Minimum balance of $1,000.00 remaining on the loan. No more than 1 late charge in the past 6 months.