Auto Loans

Thinking about buying a new or used car? Then starting at One Detroit Credit Union is the right choice. We are committed to making affordable car loans more available to all consumers, especially those who have been targeted by subprime lenders in the past. Our rates are organized according to the type of loan and your history to insure that you are always getting the best rate possible.* In many cases car loans do not require down payments!

Enjoy NO Payments for 60 Days

Now through June 30, 2025, enjoy no payments for up to 60 days when you finance your new or used vehicle with One Detroit Credit Union. 

Important Details

Rates and terms may vary depending on credit qualifications, direct deposit, and automatic payments from a 1DCU Checking or Savings account. Rates and terms are subject to change without notice. Monthly payment example per $1,000 borrowed on a loan term of 48 months at a rate of 3.00% Annual Percentage Rate is $42.98. APR varies based on model year, term, and credit score. All loans subject to approval. Membership required. 60-day no payment offer available to qualified buyers on approved auto loans. Interest accrues from the date of contract and is added to the principal balance. This may result in higher total loan costs. Offer subject to credit approval and may not be combined with other offers. Offer valid April 1, 2025 through June 30, 2025. Terms and conditions apply. See OneDetroitCU.org/vehicle-loans for complete details.

Refi My Ride

Furthermore, if you have a car loan through another lender, we can beat their rate—by cutting it at least in half! Some of our successes include helping Jessica Hearns toss out a 19% interest rate for a 3.5% rate on her Chevy Impala. LaTonza VanBuren also saved on her interest auto loan by cutting her rate from 22.39% to 10.95%!

Apply online to refinance that loan and save money every month.

First Time Auto Loans

Ready to buy your first car? We offer special rates just for first-time buyers. Plus, our First Time Auto Loans come with NO co-signer required! Click here to learn more, or click the button below to start your application now. 

Boat & RV Loans

One Detroit Credit Union will be happy to loan you the funds for a boat or RV at some of the best rates around.* You can even get pre-approved before you shop so you can negotiate a price with confidence, knowing your financing is already arranged.

*APR = Annual Percentage Rate

GAP Plus with Deductible Assistance

If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. Guaranteed Asset Protection may help you make up the difference.

Mechanical Repair Coverage (MRC)

As your vehicle gets older, the risk and cost of repairs increases. Drive with confidence, knowing you have Mechanical Repair Coverage.

Debt Protection

Debt Protection could help your family’s financial situation against a variety of covered life events, including involuntary unemployment, disability, or death.