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PassTime Auto Loans

Do you have poor credit, or little to no credit history and need a car?  Come to Denver Community Credit Union and ask about our PassTime Auto Loan.  It’s a simple solution to your auto buying needs, plus you can do it all without a co-signer.   

How it Works

Find your car with Denver Community Auto Concierge Service powered by Centennial Leasing and Sales.  Once you’ve found the car that is right for you, apply for your PassTime Auto Loan.  When your loan is approved, Denver Community Auto Concierge Service will install a PassTime Device in your car, which starts your vehicle with a simple code provided by Denver Community Credit Union upon timely loan payment.

PassTime Auto Device

The PassTime device is a starter interrupter.  It will allow you to start your car as long as your auto loan payments are made.  Each month, after payment has been processed, Denver Community Credit Union will issue a password to you to start your vehicle with.


  • No co-signer necessary
  • Competitive rates for those with no or poor credit
  • Grace period for late payments
  • Lower late fees than many other lenders
  • Loan from trusted, and federally insured not-for-profit credit union

Contact a Member Service Representative about our PassTime Auto Loans by calling 303-573-1170, or by contacting us online.  For your protection, please do not send your member number, social security number, or other sensitive personal information via email.  You can also apply online by clicking here.

Disclaimer:  All loans are subject to member credit qualification.  Not all vehicles are compatible with the PassTime device.  Contact Denver Community Auto Concierge Service, powered by Centennial Leasing and Sales for details about vehicle compatibility.

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.

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