Skip to main content Skip to footer menu Skip to footer



Choose our VISA®

Non-variable rate of 12.99% APR*, no balance transfer fees!

*Annual Percentage Rate

VISA® Platinum Card

Clear Money

Explore our award winning financial education program!

Financial Education

Connect With Us

Facebook  Twitter  YouTube  Pinterest

Picture of a smiling young man in a car. 

Auto Loans

Denver Community Credit Union is the place for your auto loan. Take advantage of highly competitive rates and other benefits. New or used, we offer loans to help get you into the car of your dreams.

Get pre-approved before entering a dealership. It will make your car buying process seem seamless, and protect you from aggressive sales tactics. Along with our highly competitive rates, we offer terms up to 84 months and no prepayment penalties.

Find Your Perfect Car

Denver Community proudly works with Denver Community Auto Concierge Service powered by Centennial Leasing & SalesEnterprise Car Sales, to help you remove the stress out of purchasing a vehicle. Just tell them what you are looking for. They will find it for you at the best price available.

Start your search with Denver Community Auto Concierge, or Enterprise Car Sales by clicking on their logo.

Denver Community Auto Concierge Service Logo  Enterprise Car Sales Logo

GAP Advantage

You need more than insurance to protect your investment.

Even the best insurance may not cover the entire amount you owe on an auto loan.  In fact, if the average new car owner has his or her vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after the insurance settlement.


Guaranteed Asset Protection (GAP)* makes up the difference between what insurance covers and the amount you owe.  So, instead of paying off a substantial loan balance, you'll be free and clear.  And as an added benefit, GAP Advantage will help you get back on the road more quickly by providing a $1,000 allowance to finance a replacement vehicle with us.


To learn more, ask your loan officer or service representative about GAP Advantage today at 303-573-1170. Or use our contact form.


*Guaranteed Asset Protection is considered insurance coverage in some states.

Your purchase of GAP is optional.  Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution.  There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP.  You should carefully read the contract for a full explanation of the terms.

With Major Mechanical Protection, You Can Get the Most Out of Your Mileage!

As time goes on, the likelihood of mechanical failure on your vehicle is inevitable.  Advanced electronics, complex system, and rising labor costs mean that a repair might have cost hundreds of dollars a few years ago may now cost you thousands.


With Major Mechanical Protection (MMP) from Denver Community Credit Union, you can protect yourself against the expense of future costly repairs.


The total cost of MMP is often far less than the cost of a single repair!  Pay for this protection once, and in most cases you will not have to pay anything more than a small deductible should a breakdown occur.


To learn more about MMP, call your loan officer or service representative today!

Insurance Requirements

Denver Community Credit Union requires all vehicles financed to carry auto insurance coverage with a $500 deductible or less where Denver Community Credit Union is named as the lienholder. Insurance coverage is routinely checked. If it is indicated that your insurance has lapsed or your coverage has dropped from the acceptable level, the credit union has the right to place Collateral Protection Insurance (CPI) on your vehicle.  This charge is added to your loan balance.  


Why Denver Community Uses CPI


Insurance coverage protecting against physical damage is required because it protects the credit union's interest in your vehicle. Your signed loan documents give Denver Community Credit Union the right to force-place CPI on your vehicle when coverage has lapsed.  To avoid CPI, it is important to inform your insurance provider to name Denver Community Credit Union as the "Loss Payee/Lienholder" on your policy.  To mail insurance verification, please use the following address:


Denver Community Credit Union
1075 Acoma St.
Denver, CO 80204


You may also fax a copy of your policy/declarations page to our CPI partner, SWBC, at 913-268-3178.


Finding Your Own Insurance


Collateral Protection Insurance is not a substitute for finding your own auto insurance. It is often much more expensive than auto insurance you would find from typical providers.  If you are in need of insurance, or would like to shop around for a better deal, check out Denver Community Insurance Services, to get free quotes from multiple insurance providers.

$100 Auto Loan Refinance Promotion

Refinance your auto loan of $15,000 or more and receive a $100 deposit.*  Plus, well qualified borrowers will receive 90 days of no payments!**



*With approved credit.  To qualify for the $100 promotion, $15,000 or more in new money must be refinanced with Denver Community Credit Union.  Valid for new money only.  $100 will be deposited to member's share account within 45 days of loan funding.  $100 deposit is subject to taxation.  **90 days of no payments is subject to credit qualification.  A and B credit only.  Negative amortization may occur.

$250 Enterprise Purchase Offer

Now is the time to buy!

Purchase your next vehicle from Enterprise Car Sales between June 1, 2019 and July 31, 2019 and receive a $250 deposit.*



*Denver Community Credit Union will deposit $250 to your Denver Community Credit Union account within 45 days of financing the vehicle. Offer void when 7-Day Repurchase Agreement is activated. Offer valid from 6/1/19 – 7/31/19. No cash advances. Vehicle purchase required. Offer cannot be combined. Not valid on previous purchases.

Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customer trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use.

You are leaving Denver Community Credit Union's website. Denver Community does not control this site and is not responsible for the content, products, or services available on the linked site. The credit union does not represent the third party or the member, if the two enter a transaction. The privacy and security policies of this linked site may differ from our own.

You will now access the following link:

Press "OK" to proceed, or press "Cancel" to remain here.