303-360-0987 | Routing number: 307074467 | NMLS #: 402483
Auto Loans from Credit Unions: Driving Forward at Every Life Stage
Auto loans from credit unions come in all kinds. Our unique auto loan programs cater to all, regardless of Credit or Income. Find Your Perfect Fit with Us!
Need a Better Deal
on Your Car Loan?
With Zoom Recharged, you can refinance your existing car loan and potentially save hundreds of dollars:
- 2% off your current car loan interest rate.
- Floor rate of 6.00% APR.
- 60-days of no car loan payments to give your budget a boost.
- Whether you’re a loyal or new member bringing your auto loan from another institution, you’re eligible for this incredible offer!
New and Used
Auto Loans
Before you step into a dealership, contact us to get pre-approved for an auto loan. Know what you can afford, as well as the interest rate you qualify for, to start in a powerful negotiating position. Even if you visit a dealership before getting pre-approved, just tell them you’re a member of The District. Through our partnership with CU Direct Connect (CUDC), your info and loan request will come straight to us to ensure you receive a low rate. And the auto-buying resources we provide our members simplify the process of finding and test-driving cars.
Auto Loan Calculators
Dealer Financing vs. Credit Union Financing
Determine whether to choose low-interest dealer financing or credit union financing combined with the manufacturer rebate.
Find the Right Car, Buy
it With Confidence
If you want to buy a car in the state of Colorado but don’t want the hassle of driving from dealership to dealership, our auto-buying resources can make your car-buying experience a breeze. In some cases, you can even have a vehicle delivered to your home or work for a test drive.
3StepCheck – Auto Check Program
Experience a simpler, smarter way to buy your next car with The District Credit Union’s 3StepCheck program. Begin by visiting us to get pre-approved quickly and easily. Once you’re pre-approved, we provide you with an auto check, which holds value up to your pre-approved limit. This auto check is your key to a hassle-free car shopping experience, allowing you to shop with the confidence and ease of a cash buyer.
Credit Union Auto Brokers
Credit Union Auto Brokers is a one-stop buying service for new cars and used cars. They take a low-pressure approach with no-haggle pricing to guarantee a great purchasing experience. Home, office, or branch test drives are offered, and if they don’t have the car you want in their inventory, they will track it down. Trade-ins are welcome and will be shopped for the highest trade-in value. Give them a call at 303-882-6970.
NADAguides
In-market shoppers rely on NADAguides for the most accurate and up-to-date information on new and used vehicles, including what to pay for a new or used vehicle, as well as the expected trade-in value of their current vehicle. NADAguides is the largest publisher of vehicle pricing and information for new and used cars, classic cars, motorcycles, ATVs, boats, personal watercraft, snowmobiles, RVs and motorhomes.
Insurance Benefits for our Members
Mechanical Breakdown Insurance
Keep your vehicle on the road longer with a cost-efficient extended warranty from ASG. The District Credit Union is proud to offer this exclusive program for our members. An extended warranty ensures your vehicle is always in the best mechanical condition while protecting you against the high cost of repairs.
GAP Plus Protection
Why pay for an asset you no longer own? Protect it with Guaranteed Asset Protection (GAP). GAP insurance could save you thousands of dollars. In the event that your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared a total loss, you are still liable to pay the difference (or “gap”) between your insurance settlement and your auto loan balance, which can be significant. For just a few dollars a month, which can be conveniently rolled into your monthly loan payment, GAP insurance will cover the difference. Sign up when you apply for your vehicle loan; there’s no underwriting, no red tape, no hassle.
Recreational Loans
Get the boat, motorcycle, or RV loan that’s right for you! Our low rates ensure you pay less on what you borrow, and flexible terms help fit your payments into your current budget. We offer the same great rates whether or not you buy new or used. You can also refinance your current boat, motorcycle, or RV loans with us and get the same low rate as you would if you were buying new.
New Driver Flex-Rate Program
Are you ready to buy your first car? or perhaps helping your young driver hit the road? Buckle up for smarter savings with The District Credit Union’s New Driver Flex-Rate Program!
- Interest rates as low as 6.00% for first-time car loans
- Building good credit starts early. Reduce your rate by up to 1.50% after a year of on-time payments.
- Reward responsible driving with waived refinance fees.
Payment Protection Credit Insurance
The District Credit Union offers Payment Protection Credit Insurance to help you protect more than just your credit rating. Payment Protection Insurance is designed to help you meet your loan repayments in the event that you are unable to work as a result of an accident, sickness or involuntary unemployment. Contact us about this program if you are applying for a loan.
Did you get our request for your car insurance details?
You’re in the right spot. Easily upload your insurance documents through the link below. Simply use the reference ID provided in our email or letter to you.
If you have any questions, please don’t hesitate to give us a call at 303-360-0987. We’re here to help!
Frequently Asked Questions
District Credit Union’s auto loans stand out due to our competitive rates, flexible terms, and personalized service. Unlike other lenders, we prioritize your financial well-being, offering guidance and options that best suit your budget and goals. Our commitment is to provide a hassle-free loan process, ensuring you get on the road in your new vehicle as smoothly as possible.
Applying for an auto loan is easy! Visit our website and complete the online application under the Vehicle Loans section. Alternatively, you can call or visit our branch in Aurora, CO, to apply in person. We’ll ask for basic information about your finances and the vehicle you’re interested in. Our team will guide you through every step, making the application process straightforward and stress-free.
Refinancing your current vehicle with us can lower your interest rate and reduce your monthly payments. Our team will review your current loan and vehicle details to offer you the best refinancing options. Refinancing is a great way to free up extra cash and improve your financial situation.
No, at District Credit Union, we do not charge any prepayment penalties on our auto loans. You are free to pay off your loan early without worrying about extra fees, allowing you to save on interest and gain peace of mind.
With an auto loan from District Credit Union, you can choose any reputable dealership to find your next vehicle. We partner with a wide range of trusted dealerships in Aurora and the surrounding areas to offer you the best selection and deals.
Whether you’re looking for a new or used car, truck, SUV, or motorcycle, our goal is to help you drive away in the vehicle that suits your needs and budget. Visit our website for more details, or stop by our branch at 751 Chambers Rd., Aurora, CO, for personalized assistance. We’re here to make your car buying experience smooth and enjoyable.
We offer financing for a wide range of vehicles, including new and used cars, trucks, SUVs, motorcycles, and even recreational vehicles. Our goal is to help you finance the car that fits your lifestyle and budget, making your dream ride a reality.
Our loan approval process is known for its efficiency. Most applicants can expect a decision within 24 to 48 hours. Our team works diligently to ensure a quick turnaround so you can purchase your vehicle as soon as possible.
Yes, to take advantage of our auto loans and other financial services, you’ll need to become a member. The good news is that joining is easy and opens the door to a suite of benefits and services designed to enhance your financial well-being beyond just the loan itself. Certain eligibility requirements, conditions, and exclusions may apply.
For your convenience, we offer an online loan calculator on our website. Simply input the loan amount, term, and interest rate to get an estimate of your monthly payments. This tool is designed to help you plan and budget for your new vehicle purchase effectively.
Yes, you can purchase a vehicle from a private party or out of state with an auto loan from the District Credit Union. We understand that finding the perfect car often means looking beyond local dealerships.
Our team will guide you through the entire process, ensuring all necessary paperwork and inspections are completed smoothly. Whether you’re buying from a friend or across state lines, we aim to make your purchase as seamless as possible.
Visit our website for more details, or stop by our Aurora branch at 751 Chambers Rd. to speak with a representative and get started on your auto loan today.
