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 your credit score or income. Find your perfect fit with us!

New and Used Auto Loans

Starting as Low As

6.89% APR*

Before you step into a dealership, contact us to get pre-approved for a credit union auto loan. Know what you can afford and 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

Car Loan Calculator: Find out how much you can afford based on your likely monthly payments.

 

Dealer Financing vs. Credit Union Financing: Determine whether to choose low-interest dealer financing or credit union financing combined with the manufacturer rebate.

New Driver Flex-Rate Program

Starting as Low As

5.99% APR*

Are you ready to buy your first car? Or helping your young driver hit the road? Buckle up for smarter savings with The District Credit Union’s New Driver Flex-Rate Program! 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. 

New Driver Flex-Rate Program

Starting as Low As

5.99% APR*

Are you ready to buy your first car? Or helping your young driver hit the road? Buckle up for smarter savings with The District Credit Union’s New Driver Flex-Rate Program! 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. 

Find the Right Car, Buy it With Confidence.

Starting as Low As

6.89% APR*

If you want to buy a car but avoid the hassle of driving from dealership to dealership, our car-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

Discover a simpler way to buy your next car with The District Credit Union’s 3StepCheck program. Get pre-approved quickly, receive an auto check up to your limit, and shop confidently like a cash buyer.

 

Credit Union Auto Brokers

Credit Union Auto Brokers offers a hassle-free car buying service with no-haggle pricing. They provide test drives at your convenience and will help you find any car you want. Trade-ins are welcome, and they’ll secure the best value. Call 303-882-6970.

 

NADAguides

In-market shoppers use NADAguides for accurate and up-to-date vehicle info, including pricing and trade-in values. NADAguides is a leading publisher of new and used cars, classic cars, motorcycles, and more.

Frequently Asked Questions

At The District Credit Union, we understand that there may be some questions about the auto loan process and our programs. Here are some of the most common questions we receive:

What makes District Credit Union’s auto loans stand out from other lenders is our commitment to providing lower rates, better shopping tools, and a range of features designed to make your car buying experience as easy and affordable as possible.

Lower Rates

At District Credit Union, we offer competitive interest rates on both new and used auto loans. Our rates are often lower than those offered by banks and other lending institutions, which means you can save money on your monthly payments and the total loan cost.

Better Shopping Tools

We provide a suite of auto-buying resources to simplify your new or used car shopping experience. Our 3StepCheck program allows you to get pre-approved quickly and provides you with an auto check valued up to your pre-approved limit. This gives you the confidence and convenience of shopping like a cash buyer. Our partnership with Credit Union Auto Brokers also ensures a hassle-free, no-haggle buying experience, including home or office test drives.

More Features

Our auto loans come with various features to protect and benefit you. We offer Mechanical Breakdown Insurance and GAP Plus Protection to safeguard your investment. Terms and conditions apply. You can also use our flexible terms and payment protection options to fit your budget and provide peace of mind. APR is subject to change.

Applying for an auto loan with District Credit Union is easy and hassle-free! Here’s how you can get started:

Online Application

Complete the online application under the Vehicle Loans section. The form will guide you through providing basic information about your finances and the vehicle you’re interested in. Our user-friendly website makes the process smooth and convenient from the comfort of your home.

In-Person Application

If you prefer a more personal touch, visit our branch in Aurora, CO, at 751 Chambers Rd. Our friendly team is ready to assist you in person. They will help you fill out the application and answer any questions you might have, ensuring a straightforward and stress-free experience.

Membership Requirement

To take advantage of our auto loans and other financial services, you’ll need to become a member of the District Credit Union. Joining is simple and offers access to a suite of benefits and services designed to enhance your financial well-being beyond just the loan itself.

At District Credit Union, we’re here to guide you through every step of the application process, whether you apply online or in person. We aim to provide you with the support you need to drive away happy with an auto loan tailored to your needs. Preapprovals are generally good for 90 days. Visit our website or stop by our branch today to get started!

At The District Credit Union, your financial growth is our priority. With various savings account options designed with you in mind, you’re set for success. Choose from our Standard Savings Account to kickstart your savings journey, a Youth Savings Account to teach the young ones the value of money, or an Investment Account for those looking to grow their wealth over time.

Each account comes with competitive interest rates and the security of knowing your funds are safe. Start your savings story with us and watch your financial dreams become reality. Join our family and feel the difference today!

Yes, you can refinance your current vehicle with District Credit Union! Refinancing your auto loan with us can help lower your interest rate and reduce your monthly payments, making it easier to manage your finances.

 

Our team will carefully review your current loan and vehicle details to offer you the best auto refinance options. By securing a lower interest rate, you can potentially save a significant amount of money over the life of your new auto loan.

 

Refinancing is an excellent way to lower your monthly payments, freeing up extra cash that you can use for other expenses or savings. This can significantly improve your overall financial situation and provide more financial flexibility.

 

Applying for refinancing with District Credit Union is straightforward. Our friendly team is here to guide you through every step of the process, ensuring a smooth and stress-free experience.

At District Credit Union, we’re committed to helping you find the best auto loans from credit unions that suit your needs. Whether you want to save on interest or reduce your monthly payments, we support you like family. Contact us today to explore your refinancing options!

At District Credit Union, we offer flexible financing options for various vehicles to suit your needs and lifestyle. Here’s a look at the types of vehicles you can finance with us:

  • New and Used Cars: Whether looking for the latest model or a reliable pre-owned vehicle, our auto loans cover new and used cars. We offer competitive rates and terms to help you drive away in your desired car.
  • Trucks and SUVs: From spacious SUVs for family road trips to rugged trucks for work and play, we provide financing solutions for all types of trucks and SUVs. Our loans are designed to help you get behind the wheel of the vehicle that fits your requirements.
  • Motorcycles: We also offer financing for those who prefer two wheels. Whether a brand-new bike or a pre-owned one, our loans make it easier to hit the open road.
  • Recreational Vehicles: If you’re passionate about outdoor adventures, we offer financing for recreational vehicles (RVs). From campers to motorhomes, our loans are tailored to help you explore the great outdoors easily and comfortably.

Applying for any of these loans for new or used vehicles is simple and convenient. You can start your application online or visit our Aurora branch. Our team is here to assist you every step of the way, ensuring a smooth and friendly experience when looking for a new car.

At District Credit Union, we’re dedicated to providing the best auto loans from credit unions, supporting you like family as you finance the vehicle of your dreams. Visit us today to learn more and get a credit union loan offer!

Most applicants can expect a decision on their auto loan application within 24 to 48 hours at District Credit Union. We understand how important it is for you to get a quick response, so we diligently review your financial information and vehicle details promptly.

Once you submit your application, our team will evaluate it and usually provide you with a decision within one to two business days. (Eligibility criteria apply.) This swift approval process ensures that you can move forward with purchasing your desired vehicle without unnecessary delays.

Even if you visit a dealership before getting pre-approved, simply let them know you’re a member of The District. Thanks to our partnership with CU Direct Connect (CUDC), your information and loan request will come directly to us, allowing you to secure a low annual percentage rate effortlessly.

We also offer various resources to simplify your car-buying experience. From helping you find the right vehicle to providing valuable tools like auto-check programs and pre-approval loan offer options, we make it easy to test-drive and purchase your next car confidently.

At District Credit Union, we’re dedicated to offering efficient and supportive auto loans from credit unions. Visit our Aurora branch at 751 Chambers Rd. for more information on eligibility. Start your application today! We’re here to guide you through every step with a warm, family-friendly approach.

Calculating your potential auto loan payments with District Credit Union is straightforward and user-friendly. We offer several tools to help you determine what you can afford and make informed financial decisions.

Car Loan Calculator

Our Car Loan Calculator is designed to help you find out how much you can afford based on your likely monthly payments, subject to your credit history. Simply input the loan amount, interest rate, and loan term to get an estimate of your monthly payments. This tool helps you budget effectively and select a loan that fits your financial situation.

Comparing Financing Options

We also provide resources to help you decide between dealer financing and credit union financing. Use our comparison tools to weigh the benefits of low-interest dealer financing against the advantages of credit union financing combined with manufacturer rebates. This comparison can help you choose the most cost-effective option for your new vehicle purchase.

Quick Loan Approval

Most applicants receive a decision within 24 to 48 hours, so you’ll know your financing options quickly and can proceed with confidence. Even if you’re at a dealership, just let them know you’re a member of The District, and through our partnership with CU Direct Connect (CUDC), your loan request will come directly to us.

At District Credit Union, we support you with accessible tools and personalized assistance to make your auto loan process smooth and stress-free. Visit our website to use our Car Loan Calculator and other helpful resources, or stop by our Aurora branch to speak with our friendly team.