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 / Loans / Vehicle / Other Vehicle Loans
 

Other Vehicle Loans

Financing and Loan Options for Your Big Toy

Motorcycle, RV, ATV, Boat Loans;
You Name It, We Can Probably Finance it

Delta Community Credit Union doesn’t just specialize in new and used car loans for everyday cars and trucks. We specialize in whatever helps you get from here to there.

 

Other Vehicle Loan Options

In the market for a recreational vehicle loan or motorcycle loan? Delta Community Credit Union has very competitive loan rates and can help you with the following:

  • Motorcycle Loans
  • Jet Ski Loans
  • Boat Loans
  • Motor Home Loans
  • Aircraft Loans
  • Horse Trailer Loans
  • Farm Tractor Loans (Minimum 20hp)
  • Snowmobile Loans
  • Pop-Up Camper Loans
  • ATV Loans
  • Travel Trailer Loans
  • RV Loans
  • Waver Runner Loans
  • Golf Cart Loans

Don't see your specific vehicle loan? Contact us at 800-544-3328 or come into one of our many local Delta Community branches.

Auto and Other Vehicle Loan Calculators

Try our Auto and Vehicle Loan Calculators to help answer some frequently asked questions on auto and vehicle loan payments, financing and more.

Who is this product right for?

Someone who is considering buying a vehicle other than a car or truck.

New & Used Other Collateral*

Check out our competitive vehicle loan rates below. We have loans up to 12 years. This may finally be the year you’re able to fit one into your budget.

Up to 12 months4.00% to 12.75%
24 months4.25% to 12.75%
36 months4.50% to 13.00%
48 months4.75% to 13.25%
60 months4.75% to 13.50%
72 months (greater than or equal to $20,000)5.25% to 14.25%
84 months (greater than or equal to $35,000)6.25% to 14.25%
120 months***6.25% to 14.25%
180 months****6.75% to 14.75%
240 months*****7.00% to 15.00%

*Rates expressed as APR-Annual Percentage Rate. Availability of rates based on creditworthiness and other factors and are current as of the first day of the current month.
**Aircraft, boats, jet skis, motor homes, motorcycles, snow mobiles, farm tractors (Minimum 20hp), wave runners, travel trailers, pop-up campers, four wheelers, horse trailers, golf carts.
***Loan amounts greater or equal to $35,000. Available for boats, RVs and aircraft.
****Loan amounts greater or equal to $100,000. Available for boats, RVs and aircraft.

Who is this product right for?

Someone who is considering buying a vehicle other than a car or truck.

Other Vehicle Loan Fees

There is no annual fee to use or apply for a Vehicle Loan. Here are some fees that may apply:

Copy of Personal Line of Credit Check $3.00
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 $8.00
Stop Payment for Personal Line of Credit Check or ACH $25.00

Who is this product right for?

Someone who is considering buying a vehicle other than a car or truck.

Related Articles

  • Payment Protection FAQs
  • Does Delta Community CU offer payment protection?
    Yes, the Payment Protection service provides a financial safety net for you and your family by reducing or cancelling your loan in the event of loss of life, if you become disabled or in the case of involuntary unemployment before the loan is repaid. Payment Protection will need to be purchased for each loan that you want protection for. Ex: You can have protection for your car loan but not your personal loan. To request payment protection for your loans, contact us online via the secure Message Center.


    What are the eligibility requirements and restrictions for Payment Protection?

    Disability

    • Restrictions or exclusions include and are not limited to
      • A normal pregnancy or a 6 month pre-existing condition
      • At the time of a filed claim event, employment with a minimum of 25 hours per week is required
    Life

    • Age 70 and over - will cover 25% of balance but not to exceed $12,500.00
    • Restrictions or exclusions include and are not limited to: a 12 month suicide or an 'At Work Clause'. The 'At Work Clause' says if a member is a homemaker, retiree, or a student, they are eligible only if they are performing all of the usual duties of a homemaker, retiree, or student in the normal manner on the date of the initial advance and are not receiving disability benefits from any source.
    Involuntary Unemployment

    • Must be employed for at least 3 months before Payment Protection starts
    • At the time of a filed claim event, employment with a minimum of 25 hours per week is required

    What are the rates for the Payment Protection options?


    The rates are as follows:
    • Option 1: Includes life, disability and involuntary unemployment
      • Single Coverage: $3.75 per $1,000
      • Joint Coverage: $6.75 per $1,000
    • Option 2: Includes life and disability
      • Single Coverage: $2.50 per $1,000
      • Joint Coverage: $4.50 per $1,000
    • Option 3: Life only
      • Single Coverage: $0.75 per $1,000
      • Joint Coverage: $1.25 per $1,000
    Will this protection cover my loan payments in the event of an involuntary furlough, job change and/or layoff if I have involuntary unemployment protection on my loans?
    Yes, it will cover each loan you have the policy on.


    When does Payment Protection expire?

    Payment Protection expires on:

    • The date of death
    • On the date the loan is transferred to another creditor
    • On the date the loan is paid off
    • On the last day of the month notification is received to terminate protection
    • The last day of the month in which the loan is 3 months past due


    What number should I call if I have questions about Payment Protection on my loan?
    For questions about Payment Protection, including claims assistance, you would call CUNA Mutual Group at 1-800-621-6323 or visit www.cunamutual.com. A CUNA representative will speak with you for specifics on your agreement.


    How do I cancel Payment Protection on my loan?

    You may request a form be mailed or faxed to you online using the secure Message Center or by phone. Once you receive the form, please sign and fax the form to 404-677-9455.

  • How to apply for a loan
  • How do I apply for a loan or to refinance a loan from a different lender?
    To be eligible to apply for a loan, you must be a primary member of the credit union. Joint owners must obtain their own account before applying for a loan. Membership can be applied for online.

    The fastest way to apply for a loan is online. Log into your Online Banking account choose Apply for a loan or credit card under the Loans tab. You may be preapproved within seconds.
    You can also speak to a representative at 1-800-544-3328 or apply at any
    Delta Community CU branch office.




  • Payment Holiday and Eligible Loans
  • What is a Payment Holiday and what loans are eligible?
    A Payment Holiday is an option to skip your consumer loan payment on loans that have been opened for 6 months. You can request a maximum of two holidays per year, but they cannot be two consecutive months. Interest will continue to accrue and the original term of the loan will be extended.

    To request a Payment Holiday, log into your Online Banking account and choose Payment Holiday under the Loans tab.
    • The request can be made up to the loan due date.


    IMPORTANT - ELIGIBILITY:
    1st and 2nd Mortgage, Home Equity, Single Pay, Overdraft Protection, Business Loans, Business Visas, and Visa* loans are not eligible for Payment Holidays. Consumer loans must be current and opened for 6 months (and liens perfected) to be eligible. Finance charges will continue to accrue as explained in the LoanLiner Credit Agreement and the loan maturity date will be extended.

    For more information on payment holidays, click here.





  • GAP Protection
  • What is GAP?
    If you have an auto that is totaled or stolen, there may be a difference between the monies owed and what your insurance company will pay. Guaranteed Asset Protection is not auto insurance. It is a deficiency waiver. It will cover the "gap" by paying the difference between your primary carrier's insurance settlement and your loan balance. The GAP payment covers the insurance deductible up to $500 but does not pay for delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges.

    Note: GAP cannot provide protection beyond two (2) additional payments of the original repayment schedule of the loan. Ex: If you have taken 4 payment holidays, GAP will only cover the monthly payment amounts of 2 of those payment holidays.


    When can I purchase GAP?

    It can be purchased on any automobile regardless of the age or mileage on the vehicle, at the time of a new loan or refinance with Delta Community CU, regardless of whether you had GAP previously. The maximum term for GAP is 84 months. If you are refinancing your vehicle to add additional funds to the loan, you must repurchase the GAP agreement. The original agreement becomes null and void when you add additional monies to the loan.


    If I have GAP and I refinance an auto loan currently with Delta Community CU
    , do I have to purchase GAP again?

    Any time a Delta Community CU car loan is refinanced that has existing GAP, you must purchase the GAP again for this loan to be covered.
    If you are refinancing a car loan that is currently financed with Delta Community CU that does NOT have existing GAP, purchasing GAP is not an available option.



    What is the cost of GAP and is it refundable?
    GAP is available in two primary options; either 'Non-Refundable' GAP at $299.00 or 'Refundable' GAP at a cost of $495.00. All options offer a 60 day trial period.


    I have totaled my car and filed a GAP claim, do I need to make my payment?
    You are responsible for all payments on the loan as agreed on your loan contract. Any overpayments made thru the GAP claim will be reimbursed to upon claim payment.

    What is the time frame for receiving a refund from the GAP if I cancel under the new terms and conditions?

    Please allow 4-6 weeks for a refund. For loans that still exist, the refund will be applied to the loan. If the loan is paid off, the refund will be deposited to your Savings Account.



    If I have purchased GAP, will it interfere with CPI?

    GAP is a product that covers the difference between your primary carrier insurance settlement and the loan or lease balance on a new or used auto or other collateral loan. It will not interfere with CPI.



  • Loan Rates
  • What are the current loan rates?
    Click here to view the current loan rates.

Apply Now for Your Vehicle Loan

Your dream of sailing the beautiful blue oceans, cruising the mountainside on your motorcycle, or going cross country in your new RV can be a reality.

Simply apply online for your Vehicle Loan by logging in to your Online Banking account, going to the Loan tab and then choosing Apply for a Loan.

Have Vehicle Loan Questions?

Call us at 800-544-3328 or come into any one of our branches to apply.

Not a Member?

Not a member yet? Apply for an account at Delta Community Credit Union and enjoy great rates and all the other benefits of being a member.

Who is this product right for?

Someone who is considering buying a vehicle other than a car or truck.


Important Notice: You are accessing a secure site with confidential information which is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators will be prosecuted to the fullest extent of the law.
1-800-544-3328