Does DATCU refinance auto loans?

Yes. Its refinance page says bringing an auto loan to DATCU from another lender could reduce your monthly payment.

What rates does DATCU publish?

Its auto loan page lists as-low-as APRs of 5.44% to 7.94% by model-year tier, with an additional 0.15% discount at 80% loan-to-value. Your actual rate depends on your credit score and term.

All lenders

Best for: North Texas borrowers refinancing an auto loan

DATCU Credit Union

DATCU — published auto APRs of 5.44%–7.94%, terms up to 96 months.

Min credit

Not disclosed

APR

5.44%–7.94%

Max vehicle age

Not disclosed

Max mileage

Not disclosed

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"Not disclosed" means DATCU Credit Union does not publish this on their public site. "No restriction" means DATCU Credit Union explicitly states no limit.

Overview

DATCU is a North Texas credit union that markets bringing an auto loan to DATCU from another lender. Its auto loan rate table lists as-low-as APRs of 5.44% to 7.94% by model-year tier, with terms up to 96 months and an additional 0.15% discount at 80% loan-to-value.…

What’s great

Refinances auto loans from other lenders
Published APRs of 5.44%–7.94% by model-year tier
Terms up to 96 months

What to know

Credit union membership is required; eligibility is tied to North Texas counties and partner universities
Minimum credit score is not published
Published rate table is dated as of 2/20/2026

Eligibility

Minimum credit score	Not disclosed
APR range	5.44% – 7.94% (as-low-as APRs by model-year tier (2023-2026, 2021-2022, 2019-2020, 2018 and older); additional 0.15% discount at 80% loan-to-value; rates stated as accurate as of 2/20/2026)
Maximum vehicle age	Not disclosed
Maximum mileage	Not disclosed
Loan amount range	Not disclosed
Term length	Up to 96 months
States served	1 states
Membership requirement	Anyone living or working in any of the following counties in North TX: Denton, Wise, Cooke, Clay, Montague, Collin, Dallas, Parker, Tarrant, Jack, Grayson. Also UNT/TWU students/alumni and family

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from DATCU Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with DATCU Credit Union before applying.

[1]Auto Refinance — DATCU
https://www.datcu.org/refi
Last checked: October 2026
[2]Auto Loans — DATCU
https://www.datcu.org/loans/auto-loans
Last checked: October 2026
[3]Membership — DATCU
https://www.datcu.org/More/Membership
Last checked: October 2026