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DFCU Financial auto loan rates

4.0/5 our editorial rating

Dearborn, Michigan credit union with branches in Michigan and Florida, offering fixed-rate new and used auto loans up to 84 months.

Who can join: Anyone who lives, works, worships or attends school in Michigan's Lower Peninsula or in the Tampa Bay, Central and Southwest Florida counties DFCU serves.

Visit DFCU Financial Calculate payment
From APR
5.59%
Best advertised rate

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

Loan terms
Up to 84
Months

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

Today's DFCU Financial 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 60 mo 5.59% Compare →
Used car 60 mo 5.74% Compare →

Pros

  • 0.25% discount with autopay from a DFCU account
  • AutoCHECK preapproval usable at any franchised dealership
  • Also finances refinances and lease buyouts

Cons

  • Membership limited to Michigan's Lower Peninsula and parts of Florida
  • No separate refinance or lease buyout rates published

How we rate lenders

Our 4.0/5 rating for DFCU Financial 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.

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