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Best for: Members wanting a flat low APR across short and mid-length terms, plus high LTV flexibility

Digital Federal Credit Union

DCU — auto refinance from 4.99% APR on terms up to 65 months, with up to 130% LTV.

Min credit
Not disclosed
APR
4.99%–6.99%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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

Overview

Digital Federal Credit Union publishes a full auto refinance APR grid: 4.99% APR on terms up to 65 months, 5.49% on terms up to 72 months, and 6.99% on terms up to 84 months. The published APR already includes a 0.50% discount for members who maintain at least $500/month direct deposit and pay the l…

What’s great

  • Flat 4.99% APR on terms up to 65 months
  • Up to 130% LTV financing
  • 0.50% direct-deposit discount baked into the published APR

What to know

  • Membership required
  • Published rate assumes top credit, direct deposit at least $500/mo, and electronic loan payments
  • Will not finance salvage or Lemon Law Buyback titles
  • No published vehicle age cap, mileage cap, or loan amount range

Eligibility

Minimum credit scoreNot disclosed
APR range4.99% – 6.99% (By term band: 4.99% (up to 36/48/65 mo), 5.49% (up to 72 mo), 6.99% (up to 84 mo). Published rate already includes a 0.50% discount for direct deposit at least $500/mo + electronic loan payments.)
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount range$0 minimum
Term lengthUp to 84 months
States servedNo restriction
Membership requirementOpen nationwide via employer, community, or family relationships

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 Digital Federal Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Digital Federal Credit Union before applying.

  1. [1]DCU Auto Refinance Loans — APR grid by term (4.99%–6.99%), 0.50% direct-deposit discount, up to 130% LTV, no salvage/lemon-law buyback titles — Digital Federal Credit Union
    https://www.dcu.org/borrow/vehicle-loans/auto-refinance-loans.html
    Last checked: October 2026
  2. [2]DCU Membership Eligibility — open via employer, community, or family relationships nationwide — Digital Federal Credit Union
    https://www.dcu.org/membership/member-eligibility.html
    Last checked: September 2026