⚠️ SECURITY TIP: One Detroit Credit Union staff will never ask for your personal information or online banking login over the phone or via email.

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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!

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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.

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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. 

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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.

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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.

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Debt Protection

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


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*Term of up to 72 months; maximum secured loan amount is $60,000 and loan to value shall not exceed 125% of vehicle value. The rate and the amount of your loan are subject to credit approval and are based on your credit score and credit history. The annual percentage rate (APR) is the Credit Union’s standard rate. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.