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Vehicle Loans and Auto Buying Support

We Make Auto Purchases Easy

Buying a vehicle is never easy, especially when you feel like you can’t trust what dealers and other sellers are telling you. Through our many partnerships, The District Credit Union makes auto buying as easy as possible.

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.

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.

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.

Auto Research Center Powered by AutoTrek

Find the value of your trade-in, research new and used vehicles, get valuable tips on the car buying process, even purchase your next car through our Auto Research Center. By utilizing the combined buying power of thousands of credit union members, AutoTrek can negotiate fleet pricing on new vehicles and save you the dealer handling charges. They’ll collect competitive, fair-market bids for your trade-in, get your manufacturer warranty set up, and in most cases deliver your new vehicle at our office or your home or office. They’ll even work with us to complete your loan approval and closing. This is truly a one stop purchase!

Centennial Leasing & Sales

Centennial Leasing & Sales 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.


In-market shoppers rely on NADAguides for the most accurate and up-to-date information on new and used vehicles, including what to pay for a new or used vehicle, as well as the expected trade-in value of their current vehicle. NADAguides is the largest publisher of vehicle pricing and information for new and used cars, classic cars, motorcycles, ATVs, boats, personal watercraft, snowmobiles, RVs and motorhomes.

Insurance Benefits for our Members

Mechanical Breakdown Insurance

Keep your vehicle on the road longer with a cost-efficient extended warranty from Route 66. 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.

Note: This is not a substitute for auto insurance. If you fail to obtain or maintain your own auto insurance on a vehicle financed at The District Credit Union, we may purchase insurance to protect our interest in your collateral. This insurance is referred to as Collateral Protection Insurance (CPI) and will be considerably more than the cost of insurance you may be able to obtain on your own.

GAP Insurance

Guaranteed Asset Protection (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.

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.


New & Used Automobile Rates

Rates are effective June 1, 2021 and are subject to change without advanced notice.

Paper Credit Score Rate
A+ S3 800 & Higher 3.99%
A+ S2 780 - 799 3.99%
A+ S1 760 - 779 4.19%
A+ 740 - 759 4.49%
A 720 - 739 4.89%
B+ 700 - 719 5.64%
B 680 - 699 6.49%
C+ 660 - 679 8.99%
C 640 - 659 11.99%
D 600 - 639 12.99%
E > 600 18.00%

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 +0.25  73-84 months +1.50. Term Rate Discount: 48 months or less -0.10. Model Year (2014 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 (2014 and Older) Automobiles. Mileage over 100,000 will be reduced by 25% of the current retail value listed in NADA.

Classic & Exotic Automobile Rates

Paper A+ Rate A Rate B Rate C Rate D Rate
Maximum LTVs 100% 100% 100% 80% N/A
as low as 4.49% 4.49% 5.99% 6.99% 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 June 1, 2021 and are subject to change without advanced notice.

Paper A+ Rate A Rate B Rate C Rate D Rate
Up to 120 Months 4.99% 5.25% 5.99% 9.99% 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

Paper A+ Rate A Rate B Rate C Rate D Rate
Up to 60 Months 4.99% 5.49% 6.99% 10.49% N/A

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

Used Motorcycle Rates

Paper A+ Rate A Rate B Rate C Rate D Rate
Maximum LTV 90% 85% 80% 75% N/A
Up to 48 Months 5.99% 6.49% 7.49% 11.25% 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.