Vehicle Loans - The District Credit Union
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Driving Forward at Every Life Stage

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.
  • Whether you’re a loyal member or a new customer 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 (see below).

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.

With The District Credit Union, all your auto buying options are outstanding.

Find the Right Car, Buy it With Confidence

If you want to buy a car 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 new and used car buying service. 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.

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!

  • 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!


New & Used Automobile Rates

Rates are effective May 1, 2024 and are subject to change without advanced notice.

PaperCredit ScoreRate
A+ S3800 & Higher6.89%
A+ S2780 - 7996.89%
A+ S1760 - 7797.34%
A+740 - 7597.64%
A720 - 7398.04%
B+700 - 7198.79%
B680 - 6999.64%
C+660 - 67912.14%
C640 - 65914.89%
D600 - 63915.89%
E< 60018.00%

LTV over 100% Rate Add On: +0.50 up to 110% or +1.00 up to 120% (Credit Officer Approval). Less than 70% LTV Rate Discount: -0.25.  Term Rate Add On: 61-72 months +0.50  73-84 months +1.50. Term Rate Discount: 48 months or less -0.10. Model Year (2017 and Older) Add On: +0.50.

*LTV is NADA Adjusted Retail Book plus taxes, D & H, warranty & insurance for all tiers for used vehicles. New vehicles (current year models plus year before with less than 2,000 miles) are based on MSRP.

Also, Sight inspection required on Older Used (2017 and Older) Automobiles. Mileage over 100,000 will be reduced by 25% of the current retail value listed in NADA.

Classic & Exotic Automobile Rates

PaperA+ RateA RateB RateC RateD Rate
Maximum LTVs100%100%100%80%N/A
as low as7.99%7.99%9.49%10.49%N/A

Paper B or higher will finance 100% of Retail Value. Paper C maximum of 80% of Retail Value.


New & Used Recreational Vehicle Rates

Rates are effective May 1, 2024 and are subject to change without advanced notice.

PaperA+ RateA RateB RateC RateD Rate
Up to 120 Months8.49%8.75%9.49%13.49%N/A

Finance 90% of NADA Loan Value. 10% trade or cash down payment required. Recreational Vehicles ten (10) years and older, the maximum term up to 72 months.

New Motorcycle Rates

PaperA+ RateA RateB RateC RateD Rate
Up to 60 Months8.24%8.74%10.24%13.74%N/A

Finance 90% NADA Loan Value. 10% trade or cash down payment required.

Used Motorcycle Rates

PaperA+ RateA RateB RateC RateD Rate
Maximum LTV90%85%80%75%N/A
Up to 48 Months9.49%9.99%10.99%14.74%N/A

The interest rates are evaluated by the Board of Directors. Terms vary based on value and year of vehicle. All applications subject to member credit qualification.