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Delta Community Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 5 Sep 2023
Fact checked

A quick review of Delta Community Credit Union auto loans

Delta Community Credit Union (DCCU) logo

Delta Community Credit Union (DCCU) has financing solutions with low-cost rates and long terms. Members can pick from new and pre-owned vehicles, including cars, trucks, vans, motorcycles, RVs, tractors, watercraft, ATVs, and more. Plus, Delta Community members can enjoy $0 application fees and prepayment penalties.

Want to see what a Delta Credit Union auto loan will cost? Try the Delta Community Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Delta Community Credit Union auto loan features

  • Minimum loan amount: Greater than or equal to $20,000 for 61-72 months. Then, greater than or equal to $35,000 for 73-84 months.
  • Maximum loan amount: Up to 100% financing.
  • Interest rates: New auto loans range from 5.25% to 17.08% APR. Used auto loans from 5.55% to 17.38% APR.
  • Loan terms: 12 to 84 months.
  • Loan fees: No application and origination fees.
  • Discounts: Member-exclusive rates on guaranteed asset protection (GAP) and mechanical breakdown protection.

DELTA COMMUNITY CREDIT UNION LOAN OPTIONS

New and used auto loans

Delta Credit Union offers low-cost and flexible new and used auto loans for cars, trucks, and vans. Starting at 5.25% for new cars and 5.55% for used cars, you can fund or refinance your vehicle for up to 60 months. If you want terms of 73-84 months, rates start at 6.25% for new vehicles and 6.55% for used vehicles.

Motorcycle, boat, RV, and aircraft loans

Delta Community Credit Union also has a selection of new and used loans for motorcycles, boats, RVs, and aircraft. For as low as 6.48% APR, you can finance your vehicle for up to 60 months. For boats, RVs, and aircraft, you can stretch your loan up to 240 months.

Small vehicle loans

If you’re looking to fund smaller vehicles, Delta Community can help with that, too. With this type of loan, rates come as low as 7.75% APR with terms of up to 60 months. You can pick from tractors, horse trailers, personal watercraft, ATVs, new golf carts, and more.

Delta Community Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Delta Community Credit Union

Delta Community Credit Union auto loan

Delta Community Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Delta Community Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Delta Community Credit Union auto loan

Eligibility criteria

While Delta Community doesn’t specify the requirements, you commonly should be:

  • A Delta Credit Union member
  • At least 18 years old
  • Employed or have a steady source of income

Credit unions commonly offer their best interest rates and terms to borrowers who use credit wisely. So, consider checking your credit report and building your credit score before you apply. This, in turn, will help you qualify for more favorable loan options.

How to join Delta Credit Union

To become a DCCU member, you need to meet one of the following:

  • Live or work in greater metro Atlanta
  • A family member of an existing Delta Community member
  • An employee or member of one of Delta Credit Union’s selected companies or associations

What you’ll need to have ready

When you apply for auto financing with Delta Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

You may need to provide DCCU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Delta Credit Union may ask for more documents, too. For instance, you may need to provide a sales contract listing DCCU as a lien holder and a 10-day payoff letter. Plus, you may need the verification of full coverage insurance with a maximum deductible of $1,000.

Ways to apply for a Delta Community Credit Union auto loan:

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-544-3328

Additional Delta Credit Union auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed. But credit unions may take anywhere from a few minutes to a few weeks depending on your loan application.
  • Rate discounts: Potential lower APRs for members in good credit standing.
  • Repayment frequency: Monthly.
  • Late payment fees: $25 per month late.
  • Prepayment penalty: $0
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: You can call 800-544-3328 for member assistance.
  • Ways to repay: Online banking, in a branch, by mail, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: Less than 15 years old.
  • Maximum vehicle mileage: Less than 100,000 miles for used auto loans.
  • Other vehicle restrictions: Branded titles, including salvaged, bonded, odometer discrepancy, rebuilt, or reconstructed, ineligible.

PROS AND CONS

Pros

  • Flexible terms extending up to 84 months.
  • Competitive interest rates for qualified members.
  • Up to 100% financing.
  • Discounted GAP insurance and mechanical breakdown protection.
  • $0 application and origination fees.
  • No early payment penalty.
  • Multiple vehicle options – new and used cars, trucks, vans, motorcycles, boats, RVs, aircraft, tractors, horse trailers, personal watercraft, ATVs, and golf carts.

Cons

  • $25 late payment fee.
  • Applicants with poor credit may get higher rates.
  • Restricted to Delta Credit Union members.

Frequently asked questions

How to get an auto loan with Delta Community?

You can contact DCCU at 800-544-3328, apply online, or visit a branch in the Metro Atlanta area.

What is the maximum length of a Delta Community Credit Union auto loan?

Delta Credit Union has flexible terms of up to 84 months.

How much interest does Delta Community charge on car loans?

You can secure new cars starting at 5.25% to 17.08% APR. Meanwhile, used auto loans range from 5.55% to 17.38% APR. Remember though that your annual percentage rate depends on several factors, like your creditworthiness, loan amount, and collateral.

What credit score is needed for a car loan at Delta Community Credit Union?

Though DCCU doesn’t state the credit requirements, a score of 661 and above generally helps borrowers get favorable rates. The higher your credit rating is, the better interest rates and terms you qualify for.

Can I repay my Delta Credit Union auto loan early?

Yes. You can make early payments without incurring a prepayment penalty.

How do I pay my Delta Community auto loan?

You have multiple repayment options: automatic transfers, online banking, in a branch, by mail, and over the phone.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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