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NOTICE

1. Learn what Democracy FCU is doing to help members and the community: COVID-19 Resource Center.

2. CLICK HERE to schedule your Alexandria or Silver Hill branch visit! Please visit our COVID-19 Resource Center for branch procedures. 

Auto Loans

When it comes to auto loans, we want our members to get an excellent deal. We provide low rates, 100% financing and great service. Get pre-approved for your loan from Democracy FCU before you visit the dealership. You can upgrade your ride and save hundreds!

Guaranteed Auto Protection (GAP)

Pays off your loan balance if your car is stolen or damaged beyond repair. 

 

Auto Advantage Program

Complimentary deductible reimbursement with the purchase of GAP. 

Extended Warranty

Protection from budget-busting vehicle repairs. 

New Auto Loan Rates

Table data for New Auto Loan Rates
 Effective 10-22-2020
Term Loan Amount APR (as low as)1 Monthly Payment Per $1,000 Borrowed Amount Estimate Your Payment Alert Me
66 Months Up to $25,000 2.35% $16.17 Up to 125% of MSRP to include tax, tags, warranties and GAP Estimate Your Payment
78 Months $15,000 to $35,000 3.05% $16.48 Up to 125% of MSRP to include tax, tags, warranties and GAP Estimate Your Payment
84 Months $35,000+ 4.30% $17.05 Up to 125% of MSRP to include tax, tags, warranties and GAP Estimate Your Payment
A New Auto is an untitled auto or current year model.
  • 1Annual Percentage Rate. The New Auto rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.

Used Same as New Auto Loan Rates

Table data for Used Same as New Auto Loan Rates
 Effective 10-22-2020
Term Loan Amount APR (as low as)1 Monthly Payment per $1,000 Borrowed Amount Estimate Your Payment Alert Me
66 Months Up to $15,000 2.35% $16.17 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
78 Months $15,000 to $35,000 3.05% $16.48 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
84 Months $35,000+ 4.30% $17.05 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
A Used Same as New Auto includes model years 2018 and 2019 that are untitled autos or current year models.
  • 1Annual Percentage Rate. The Used Same As New rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.

Used Auto Loan Rates

Table data for Used Auto Loan Rates
 Effective 10-22-2020
Term Loan Amount APR (as low as)1 Monthly Payment per $1,000 Borrowed Amount Estimate Your Payment Alert Me
66 Months Up to $15,000 2.75% $16.35 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
78 Months $15,000 to $35,000 3.65% $16.75 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
84 Months $35,000+ 4.65% $17.21 Up to 125% of financing of NADA Clean Retail to include tax, tags, warranties and GAP Estimate Your Payment
A Used Auto includes model years 2014, 2015, 2016, 2017, and 2018.
  • 1Annual Percentage Rate. The Used Auto rates above include discounts for direct deposit of net check (pay, Social Security, retirement); or a minimum of $2,500 in unencumbered shares in the Credit Union and discounts under the Member Loyalty Program. Total rate discounts cannot exceed 1.25%. Rates, terms, and conditions vary based on credit worthiness and other qualifications and are subject to change. Payment examples do not include debt protection coverage.

Estimate Your New Auto Loan Payment

TruStage® Auto & Home Insurance Program

Designed for credit union members like you, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Get your free quote today or call 1-855-483-2149.
TruStage® Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. © TruStage Insurance Agency 2017
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Safeguard what matters most. You could save an average of $509* on car/home insurance. Find out more. TruStage Insurance Agency.