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Auto Loan

We help people get lower payments

Shopping around? We're confident we can get you an auto loan you'll absolutely love.

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Rate as low as 3.49% APR*

Save more every month with a rate that won’t keep you tied down.

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Frequently Asked Questions

Yes! Get preapproved by applying online, calling us, or coming into a branch. We recommend getting preapproved before you shop to make the buying process easier.
Up to one business day.
Yes, you can borrow cash against your vehicle as long as you have equity in the vehicle, and qualify for the loan.
We offer terms up to 84 months. Please note the term of your loan may impact your rate.
Denver Community Credit Union requires all vehicles financed to carry auto insurance coverage with a $1,000 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 is an added monthly fee that is charged until proof of insurance, loss payable and deductible are provided to the credit union.
Collateral Protection Insurance is coverage that protects against physical damage and protects the credit union's interest in your vehicle (your loan's collateral).
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 CPI is not a substitute for finding your own insurance.  It is often much more expensive than auto insurance you would find from typical providers.  CPI does not provide protection for third-party bodily harm or injury, or to other property.  CPI only protects the vehicle as the collateral of the loan. If you are in need of insurance or would like to shop around for a better deal, check out Trustage to get a free quote. To provide proof of insurance, please visit any branch location.  If you received a letter about missing insurance or a lack of insurance coverage, you can provide proof of insurance electronically by visiting https://imcovered.com/dccu. If you would like to mail, email or fax your proof of insurance: Mail: PO Box 692130 San Antonio, TX 78269-21 Email: [email protected]
GAP is Guaranteed Asset Protection and is often added or sold at the time of loan closing.  It covers the difference between what insurance covers and the amount you owe on your loan should your vehicle be totaled.  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. GAP will help fill the remaining balance of your loan and what insurance pays.  Plus with Denver Community's GAP Advantage, you'll get back on the road more quickly with a $1,000 allowance to finance a replacement vehicle with us.   To learn more about GAP Advantage, call 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.
Yes!  Major Mechanical Protection (MMP) from Denver Community Credit Union can help protect 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 Denver Community Credit Union today at 303-573-1170.
To find auto insurance, we recommend shopping around to find the best coverage for the best price.  Click here to learn more about auto insurance.
To make a payment on your lease, please contact our partner, Pivot Servicing Group at 303-952-1070.
If your loan was closed at the dealership, and you were not previously a member of the credit union at the time of financing, you will receive a welcome packet with your account information within 3-4 weeks.
Payment Deferment If you are experiencing hardship, and need assistance, please request information about our loan payment deferment program. Request information using the form below.  Please note that credit card payments and Home Equity Line of Credit (HELOC) payments are not eligible for deferment. If you are requesting a third deferment, please call 303-573-1170. Third deferments may require additional documentation including but not limited to a letter of hardship, your 2019 W2, 2019 federal tax returns, two recent pay stubs, and your account statements. Request Deferment Information If you need assistance with a mortgage payment and your mortgage is serviced through one of Denver Community Credit Union’s service partners, please contact your servicer directly.  Below is the contact information for making a payment deferment request for both of our servicing partners. Pivot Servicing Group Website: https://pivotservicing.com/ (You may make an online payment deferment request on this site.) Phone: 303-952-1070 Midwest Loan Services Email: [email protected] Phone: 1-800-262-6574 Member Assistance Loan This loan is designed to give current members access to funds during this difficult time This loan is a fixed rate, personal loan featuring 4.99% Annual Percentage Rate, for up to 18 months, with the first 90 days’ of payments deferred.  This loan amount is up to 2x net income, or $5,000, whichever is less.  The applicant must demonstrate hardship.  Documentation may be requested.  Income verification is required. Must be a Denver Community Credit Union member for 90 days or more to qualify. Use the link below to apply. Member Assistance Loan
You will need to know your Social Security Number, and provide a valid ID. The loan application will require information about your employment and income. Depending on the loan, you may be required to provide additional information.
If you are employed, paystubs are an acceptable form of proof of income. If you are self-employed, we require your last two years of tax returns. If you are retired, award letters are acceptable. If you are a non-citizen borrower, two years of tax returns are required.
One business day.
Please check the status of your loan application by calling 303-573-1170, or using our Lending Contact Form.
You may make a loan payment by making a transfer within your online or mobile banking account, visiting our online payment portal, calling 303-573-1170, or by visiting any branch location.
Yes, you can apply for a loan online from the comfort of your home.

Get a new or used car you love

Monthly Payment

How much is the car you want?
$
How's your credit?
Term (Months)
12
84

I had a great experience refinancing my car with DCCU. The refi drastically decreased my interest rate and my monthly payment. It was also a very quick and easy process.

Keanna R.

Here's how it works

1

Apply online

Fill out your auto loan application right here online.

2

Get pre-approved

Get pre-approved for a set price after we review your application.

3

Shop with knowledge

Enjoy more negotiation power when you search for your car.

Resources

Required Documents

Find out which documents you need for your loan.

Proof of Insurance

You’ll need to verify your insurance to get an auto loan.

Car Buying Questions

Our e-course is a great place to learn all about buying a car and auto loans.

Auto Loans Disclosures

*APR is Annual Percentage Rate.  Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used.

Auto Loan Payment Example: For a $10,000 loan with 60-month term payments at 3.49% APR, the monthly payment would be $18.18 per $1,000.