Business Auto Loans
Keep Your Business on the Road
Whether you're a contractor who needs a reliable truck, a consultant who needs a dependable car for client visits, or a small business owner replacing an aging van, DCFCU offers business auto loans to help you finance the vehicle your business runs on. Take advantage of competitive rates and terms built for South Florida entrepreneurs.
Why Finance Your Business Vehicle with DCFCU?
- Loans up to $125,000 for new or used business vehicles
- Terms up to 84 months on new vehicles, up to 78 months on used vehicles
- Gross business income can be used to qualify
- Refinancing higher-rate loans
- Free access to our Dade Auto Desk vehicle-buying service
Business Auto Loan Options
New Business Vehicles
Financing for new autos, trucks, and vans used for your business, plus durable business equipment.
- Maximum loan amount: $125,000
- Maximum term: Up to 84 months
- Loan-to-value (LTV): Up to 125%
Used Business Vehicles
- Maximum loan amount: $125,000
- Maximum term: Up to 78 months
- Loan-to-value (LTV): Up to 125%
Ready to Finance Your Next Business Vehicle? Apply Today!
What Qualifies for a Business Auto Loan?
DCFCU business auto loans are designed for small business owners who need a vehicle to operate their business, not for commercial fleets. Eligible vehicles include cars, trucks, and vans purchased for business use.
View our auto loan rates.
Need Help Finding the Right Vehicle?
Try Our Dade Auto Desk (D.A.D.)
Dade Auto Desk is a free service that helps you find, research, and negotiate the right vehicle, so you can spend less time car shopping and more time running your business.
Frequently Asked Questions
What is the maximum loan amount for a business auto loan?
DCFCU offers business auto loans up to $125,000 for qualifying new or used vehicles.
What is the maximum term for a business auto loan?
New vehicles can be financed for up to 84 months. Used vehicles can be financed for up to 78 months.
Can I use my business income to qualify?
Yes, gross business income can be used when applying for a DCFCU business auto loan.
Does DCFCU finance commercial vehicles or fleets?
No. This program is for individual business vehicles — cars, trucks, and vans used to operate a small business — not commercial vehicles or fleet purchases.
Who is eligible for a DCFCU business auto loan?
Small business owners and members in Miami-Dade, Broward, Palm Beach, and Monroe Counties.
Rates and terms vary based on creditworthiness and vehicle details. Contact a DCFCU loan officer for current rates. Loan programs, rates, and terms may change or be discontinued at any time without notice. Membership required.