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We're making it easy to get your Delta Community Car Loan—for however you want to ride! Whether you're looking to buy a new car, truck, or van or refinancing your existing car loan, Delta Community can help.
Learn More about Car Loans Apply Now for Car LoansIn 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:
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!
And, like many dealers, Delta Community offers Guaranteed Asset Protection (GAP)1 and Mechanical Breakdown Protection (MBP)2 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.
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.
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 Calculator.
| Term | APR* | |
|---|---|---|
| Up to 12 months | 5.25% to 15.68% |
|
| 24 months | 5.25% to 15.68% |
|
| 36 months | 5.25% to 15.68% |
|
| 48 months | 5.25% to 15.68% |
|
| 60 months | 5.25% to 15.68% |
|
| 61-72 months (greater than or equal to $20,000) | 5.75% to 16.38% |
|
| 73-84 months (greater than or equal to $35,000) | 6.25% to 17.08% |
|
| Term | APR* | |
|---|---|---|
| Up to 12 months | 5.55% to 15.98% |
|
| 24 months | 5.55% to 15.98% |
|
| 36 months | 5.55% to 15.98% |
|
| 48 months | 5.55% to 15.98% |
|
| 60 months | 5.55% to 15.98% |
|
| 61-72 months (greater than or equal to $20,000) | 6.05% to 16.68% |
|
| 73-84 months (greater than or equal to $35,000) | 6.55% to 17.38% |
|
*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.
| Company | APR* | |
|---|---|---|
| US Bank | 7.85% |
|
| Chase Bank | 6.94% |
|
| Regions | 6.49% |
|
| Truist | 6.25% |
|
| Bank of America | 5.89% |
|
| PNC Bank | 5.89% |
|
| Delta Community | 5.25% |
|
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.
| Fee Type | Amount | |
|---|---|---|
| Late Payment Fee | $25.00 per month late |
|
| NSF for Returned Loan Payment, Personal Line of Credit Check or ACH | $25.00 |
|
| Pay by Phone Loan Payment Transfer from a non-Delta Community account | $8.00 |
|
1. 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.
2. 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.
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