Car Loans

With a Delta Community Car Loan, you can take the scenic route and enjoy it even more by saving big on your next Car or Vehicle Loan. Right now, through November 30, 2022, we’re offering rates as low as 2.98% APR1 on new car loans and 3.28% APR1 on used car loans for well-qualified borrowers with excellent credit. Be sure to also check out our great, low rates for Recreational Vehicle Loans starting as low as 5.48% APR1 available only for a limited time. Whatever you’re in the market for—now’s a great time to buy.

Enter the Delta Community $500 Scenic Route Sweepstakes

Now through November 30, 2022, when you get a Car or Vehicle Loan from Delta Community, you’ll be automatically entered for a chance to win $500!2 Ten random winners will be selected this December. For complete contest rules and details, visit DeltaCommunityCU.com/ScenicRouteRules.

Learn More about Car Loans Apply Now for Car Loans

Overview & Benefits

Great Rates and Service

In addition to our low rates, you get the friendly, knowledgeable service you expect from Delta Community, along with some added benefits that make it easier to get started:

  • No application fee
  • Easy online application
  • Affordable payment options
  • No pre-payment penalties
  • Simple electronic closing process

And, it's not too late to take advantage of Delta Community's great low rates, even if you financed your car or truck elsewhere. Ask us how to refinance today!

More Member Benefits

As a Delta Community member, you'll receive a .25% rate discount when you purchase through Carvana and finance with Delta Community.3 Conveniently shop online for your next car at Carvana.com/DeltaCommunity and search their selection of thousands of vehicles using dynamic filters to find the car that fits your life. Get your car as soon as the next day with Carvana's touchless delivery service or pick it up at one of their state-of-the-art vending machines. Purchases are Carvana Certified with a 100-day/4,189-mile “Worry Free Guarantee” and Carvana's 7-Day Money Back Guarantee. There are no dealership or document fees, and Carvana will accept your trade in and provide an offer for your vehicle that is valid for 7 days.

And, like many dealers, Delta Community offers Guaranteed Asset Protection (GAP)4 and Mechanical Breakdown Protection (MBP)5 that can be factored into your car loan. But, unlike the dealer, we offer our members exclusive rates and features that can save you hundreds of dollars over the long run. Ask your Loan Consultant for more information about our loan protection options.

Free Benefits

Want some help finding the right auto?

There are a few ways we can help. It's just another one of the many complementary benefits of being part of Delta Community.

Take the guesswork out of purchasing a car with our Auto Calculators. Determine how much vehicle you can afford, or calculate the financial impact of leasing an auto over purchasing it outright. These handy tools can even help you decide if you should upgrade to a more fuel efficient vehicle.

Our Financial Education Center is designed to improve the financial lives of our members. In addition to online courses, Delta Community Credit Union offers in-person seminars and workshops on a variety of financial topics, including buying a car and using credit wisely.

Rates

A Car Loan where great rates come standard

Take a look at these rates and terms for new and used cars—we have great, competitive rates and affordable payment options. Use our handy auto loan calculators and compare rates to help find the best option for you. To estimate payment amounts, see our Car Loan Calculators.

New Cars

Term APR*
Up to 12 months 2.98% to 13.98%
Term:
Up to 12 months
2.98% to 13.98%
APR*:
2.98% to 13.98%
24 months 2.98% to 13.98%
Term:
24 months
2.98% to 13.98%
APR*:
2.98% to 13.98%
36 months 2.98% to 13.98%
Term:
36 months
2.98% to 13.98%
APR*:
2.98% to 13.98%
48 months 2.98% to 13.98%
Term:
48 months
2.98% to 13.98%
APR*:
2.98% to 13.98%
60 months 2.98% to 13.98%
Term:
60 months
2.98% to 13.98%
APR*:
2.98% to 13.98%
61-72 months (greater than or equal to $20,000) 3.48% to 14.98%
Term:
61-72 months (greater than or equal to $20,000)
3.48% to 14.98%
APR*:
3.48% to 14.98%
73-84 months (greater than or equal to $35,000) 3.98% to 15.98%
Term:
73-84 months (greater than or equal to $35,000)
3.98% to 15.98%
APR*:
3.98% to 15.98%

Used Car Loans**

Term APR*
Up to 12 months 3.28% to 14.28%
Term:
Up to 12 months
3.28% to 14.28%
APR*:
3.28% to 14.28%
24 months 3.28% to 14.28%
Term:
24 months
3.28% to 14.28%
APR*:
3.28% to 14.28%
36 months 3.28% to 14.28%
Term:
36 months
3.28% to 14.28%
APR*:
3.28% to 14.28%
48 months 3.28% to 14.28%
Term:
48 months
3.28% to 14.28%
APR*:
3.28% to 14.28%
60 months 3.28% to 14.28%
Term:
60 months
3.28% to 14.28%
APR*:
3.28% to 14.28%
61-72 months (greater than or equal to $20,000) 3.78% to 15.28%
Term:
61-72 months (greater than or equal to $20,000)
3.78% to 15.28%
APR*:
3.78% to 15.28%
73-84 months (greater than or equal to $35,000) 4.28% to 16.28%
Term:
73-84 months (greater than or equal to $35,000)
4.28% to 16.28%
APR*:
4.28% to 16.28%

*Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan and are subject to change without notice.

**Used autos are generally less than 15 years old and have less than 100,000 miles. Exceptions are made for vintage and classic cars.

Compare Rates

Compare Auto Loan Rates

Company APR*
US Bank 6.09%
Company
US Bank
APR*
6.09%
Chase Bank 5.64%
Company
Chase Bank
APR*
5.64%
PNC Bank 4.99%
Company
PNC Bank
APR*
4.99%
Bank of America 4.69%
Company
Bank of America
APR*
4.69%
Regions 4.60%
Company
Regions
APR*
4.60%
Truist 4.46%
Company
Truist
APR*
4.46%
Delta Community 2.980%
Company
Delta Community
APR*
2.980%

Competitor APRs as of the first day of the current month and are provided by mybanktracker.com.

*Rates expressed as Annual Percentage Rate (APR). Rates are based on creditworthiness and term of loan and are subject to change without notice.

Fees

Loan Fees

Fee Type Amount
Late Payment Fee $25.00 per month late
Fee Type:
Late Payment Fee
Amount:
$25.00 per month late
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH $25.00
Fee Type:
NSF for Returned Loan Payment, Personal Line of Credit Check or ACH
Amount:
$25.00
Pay by Phone Loan Payment Transfer from a non-Delta Community account $8.00
Fee Type:
Pay by Phone Loan Payment Transfer from a non-Delta Community account
Amount:
$8.00

1. Rates expressed as Annual Percentage Rate (APR) for well-qualified borrowers with excellent credit. Rates are based on creditworthiness and term of loan. APR available October 1 – November 30, 2022. Income verification may be required.

2. Between October 1, 2022 and November 30, 2022 (“Promotion Period”), when you both apply and fund a Car or Vehicle Loan through Delta Community Credit Union, you’ll be automatically entered to win one (1) of ten (10) prizes, each consisting of a $500 cash deposit into the winner’s Delta Community Savings Account as part of our Delta Community $500 Scenic Route Sweepstakes! For complete contest rules and details visit www.DeltaCommunityCU.com/ScenicRouteRules. NO PURCHASE NECESSARY TO ENTER OR WIN. Alternative method of entry available by way of mail-in entries postmarked during the Promotion Period. Sweepstakes open to U.S. citizens at least eighteen (18) years of age who are either Delta Community Credit Union members as of September 30, 2022 or residents of the counties in Delta Community Credit Union’s field of membership. Residents of Florida are not eligible to enter this sweepstakes. Mail-in entries must be submitted on a 3x5 card to qualify for entry.

3. Services offered through Carvana are separate and distinct from any business conducted with Delta Community and are not guaranteed by or obligations of the Credit Union. Additional .25% APR discount is available for Carvana purchases made through December 31, 2022.

4. Guaranteed Asset Protection, or GAP, is collateral value protection offered for purchase by Delta Community Credit Union. Enrollment in this collateral value protection is voluntary and not required to obtain the loan. A single pay feature may be available. Additional disclosures will be provided describing terms, conditions, refunds and cancellations prior to fee payment. Please contact a Delta Community Loan Consultant at 844-544-9478 for additional information on benefit maximums, eligibility, limitations and a copy of your contract. GAP is only offered for New and Used Car Loans.

5. Mechanical Breakdown (MBP) or Extended Warranty product offered for purchase by Members Insurance Advisors, LLC a wholly-owned subsidiary of Delta Community Credit Union. Enrollment in this product is voluntary and not required to obtain a loan. Mechanical Breakdown Protection is only offered for New and Used Car Loans.