Auto Loans
Why Members Choose Dade County Federal Credit Union for Auto Loans
At Dade County Federal Credit Union, we make car buying simple, fast, and affordable. Get pre-approved in minutes, lock in some of the lowest auto loan rates in South Florida, and drive away with flexible terms that fit your budget, whether you're buying new, used, or your very first car.
New Vehicle Financing – Get the Best Deal Every Time
Auto dealers often make you choose between a low purchase price (rebates) and special financing. At Dade County Federal, we believe you deserve both.
- Expert Review: Our loan officers meticulously review your buyer's order to ensure you aren't paying hidden fees.
- Better Savings: By financing with us, you can often take the dealer’s cash rebates and pair them with our low credit union rates.
- Flexible Terms: We tailor payment schedules to fit your budget, keeping more money in your pocket every month.
Used Car Financing – Buy with Confidence
Buying pre-owned doesn't mean settling for less. We go the extra mile to ensure the vehicle you want is reasonably priced and in good condition before you sign.
- Competitive Rates: Enjoy used auto loan rates that rival new car financing.
- Value Protection: We help verify the value of the vehicle so you never overpay.
- Lower Payments: Our structured terms are designed to lower your monthly obligation, providing substantial savings over the life of the loan.
Dade Auto Desk (D.A.D.)
Schedule a free consultation with one of our auto advisors.
Don’t want to shop around for your new car or truck on your own?
Specialty & Recreational Vehicle Loans
Ready for adventure? Finance your RV, boat, jet ski, motorcycle, or any powersport toy with the same great rates and flexible terms.
Members love our recreational vehicle loans because:
- Competitive rates on new & used specialty vehicles
- Terms up to 180 months on larger RV & boat loans
- Quick online application
Hit the road, water, or trails, apply online or stop by any branch today.
First Time Car Buyer Program
Are you ready to buy your first car but worried about credit history? Dade County Federal Credit Union is your trusted partner. Our First-Time Car Buyer Program is designed to help you get behind the wheel while building a positive credit profile.
Program Highlights:
- Loan Amounts up to $25,000: Get the car you actually want.
- Low Down Payment: We only require a modest 10% down payment to get started.
- No Prior Credit Needed: Perfect for members with limited or no credit history.
- Member Support: Our team guides you through the entire process, from application to handing over the keys.
Ready to get started?
Don’t let dealer financing slow you down. Get pre-approved with Dade County Federal Credit Union today.
New Auto Loan Rates
New Auto Loans
Rates effective as of July 1, 2025
| Term | APR | Min. Loan Amount |
|---|---|---|
| 36 Months | As low as 4.24% |
$5,000.00 |
| 48 Months | As low as 4.49% |
$5,000.00 |
| 60 Months | As low as 4.74% |
$5,000.00 |
| 66 Months | As low as 4.99% |
$5,000.00 |
| 72 Months | As low as 5.24% |
$5,000.00 |
| 75 Months | As low as 5.49% |
$5,000.00 |
| 84 Months | As low as 5.99% |
$20,000.00 |
| 96 Months | As low as 6.94% |
$85,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%). New vehicle - current or prior year only.
Used Auto Loan Rates
Used Auto Loans
Rates effective as of July 1, 2025
| Term | APR | Min. Loan Amount |
|---|---|---|
| 36 Months | As low as 4.74% |
$5,000.00 |
| 48 Months | As low as 4.99% |
$5,000.00 |
| 60 Months | As low as 5.24% |
$5,000.00 |
| 66 Months | As low as 5.49% |
$5,000.00 |
| 72 Months | As low as 5.74% |
$5,000.00 |
| 75 Months | As low as 5.99% |
$5,000.00 |
| 78 Months | As low as 6.24% |
$5,000.00 |
As low as rate includes applicable discounts of Direct Deposit (.25%), Automatic Payment (.25%). 85% or lower of vehicle value (.25%) or DAD deal (.25%).
APR = Annual Percentage Rate. Automatic deposit of full paycheck and debit of loan payment required to qualify for your lowest rate. The discount on loan rates cannot be combined with any other special offer or promotion.
Term = The repayment period for all loan types varies.
Rates and terms subject to creditworthiness, income and sufficient collateral requirements. Minimum 6 months’ employment required. Maximum loan term up to 72 months. First Time Auto Program requires minimum 10% down payment. Loan programs, rates, and terms may change or be discontinued at any time without notice. Membership required.