← All lenders

Digital Federal Credit Union auto loan rates

4.4/5 our editorial rating

Massachusetts-based credit union with the same auto loan rates for new and used vehicles.

Who can join: Eligible through family of members, participating employers, partner organizations, or living or working in listed communities.

Visit Digital Federal Credit Union Calculate payment
From APR
4.99%
Best advertised rate

This is the lowest APR Digital Federal Credit Union advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Loan terms
12–84
Months

Pick a repayment term from 12 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Digital Federal Credit Union rates by loan type

Rates shown are the best advertised APRs as of October 22, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 65 mo 4.99% Compare →
Used car 65 mo 4.99% Compare →
Refinance 65 mo 4.99% Compare →

Pros

  • Same rates for new and used vehicles
  • Financing up to 130% loan-to-value
  • Option of no payments for the first 60 days

Cons

  • Membership required
  • Lowest published rates include a 0.50% discount that needs direct deposit and electronic payments

How we rate lenders

Our 4.4/5 rating for Digital Federal Credit Union is computed from the same published data shown on this page. It is not based on opinion or on partner relationships. The formula weighs four things:

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

Compare Digital Federal Credit Union against the rest.

One side-by-side rate table for every major U.S. auto lender. Find your best option in 60 seconds.

See all lenders →