Vehicle Loans
Buying your first vehicle or making a ride upgrade has never been easier. Work with lenders you can trust to get the best deal and a fast pre-approval.
Express Auto Loan
Take the hassle out of car buying with an Express Auto Loan*!
This loan offers a new, more convenient way to shop for a vehicle! Here’s how it works:
Step 1
Eliminate the back-and-forth with financing by getting approved first! Once approved, we’ll provide you with a blank check you can use to purchase a vehicle for any amount up to your approved limit!
Step 2
Have more negotiating power by knowing your purchasing amount ahead of time, making car shopping easier for you.
Step 3
Once you find the vehicle you want and negotiated the best price, fill out your blank check to complete the sale.
Step 4
Drive away with your new wheels! It’s that easy!
*Conditions and restrictions apply
Member Testimonals
Just wanted to take a few minutes and offer some feedback about the loan process I used to secure a new vehicle in June. I have not applied for a car loan or any type of loan in several years so I wasn’t quite sure what to expect! First of all the process was much easier than I expected! I was able to take advantage of the Express auto loan process and present my vendor with a check for the complete purchase. No salesperson to deal with. Working with Mrs Neal was wonderful she explained everything step by step, answered my questions step by step:) and did it with patience, after evaluating what loan was best for me. Applying and securing my check for purchase was so easy to do. I was attracted by the interest rate and that’s what peaked my interest to begin the process. I continue to enjoy working with Del-One!
Current loan rates
| Account | APRA |
|---|---|
| New Vehicle1 E Rates as low as… | 6.13% |
| Used Vehicle2 E Rates as low as… | 6.13% |
| Motorcycle*D Rates as low as… | 8.00% |
| Boat* Rates as low as… | 10.25% |
*Rate includes up to .50% discount for having direct deposit, or auto pay to loan from checking account, not to go lower than floor rate. Discount of .25% for auto pay to loan.
A) A.P.R.= Annual Percentage Rate
B) Rates may vary based on term, down payment, credit worthiness and age of vehicle (for used)
C) Rates based on the Prime Rate of 10/1/2024
D) Lowest rates availalble for Indian and Harley Davidson motorcycles only
E) Additionall .25% will be deducted as Green Auto Discount for any purchase of an Electric Vehicle, Hybrid, Fuel Cell, Plug-In Hybrid Electric Vehicle or Tesla
1. New Vehicles include: Auto, Truck & Van
2. Used Vehicles include: Auto, Truck & Van
Effective 12/1/2024
Rates subject to change. Rates accurate as of above listed date. Other terms and rates available. Members may contact any CU staff member for further info. on applicable fees and terms.
Our credit union provides a CARFAX Vehicle History Report™ to help protect our members from salvage, total loss, structural damage, lemon, and flood vehicles.
Calculate Your Vehicle Loan
[del-calculator calculator=”ShouldIRefiAuto”]
Look up a dealer partner
Del-One FCU’s Dealer Partners Lending Program makes applying for your auto loan easy! Just visit any one of our participating dealer partners and apply for your loan at the dealership. The dealership will complete your paperwork and you can drive away in your new vehicle upon approval!
Are you interested in becoming a Dealer Partner with Del-One Federal Credit Union?
Contact us today!
| Dealer Partner | Location |
|---|---|
| 5 Friends Auto Sales LLC | 199 Philadelphia Pike Wilmington DE 19809 |
| Atlantic Auto Brokers, Inc | 15428 S. DuPont Hwy, Harrington, DE 19952 |
| Bayshore Truck Center | 4003 N. DuPont Hwy New Castle DE 19720 |
| Boulevard Ford | 18443 Coastal Hwy, Lewes, DE 19958 |
| Boulevard Ford/Lincoln | 40 Bridgeville Rd, Georgetown, DE 19947 |
| Buchanan Subaru Inc | 1727 Market St. Pocomoke City MD 21851 |
| Carman Ford Lincoln Inc. | 193 S. Dupont Hwy New Castle DE 19720 |
| Carman of New Castle d/b/a Carman Dodge Inc | 196 S. Dupont Hwy New Castle DE 19720 |
| Cars Made EZ | 36365 Sussex Highway, Delmar, DE 19940 |
| CCFORD dba Pohanka Ford | 1902 N. Salisbury Blvd Salisbury MD 21801 |
| CFCDJR LLC dba Pohanka Chrysler DJR | 1915 N. Salisbury Blvd Salisbury MD 21801 |
| CFKIA LLC dba Pohanka Kia | 1911 N. Salisbury Blvd Salisbury MD 21801 |
| Colonial Motors Inc. | 205 N, DuPont Blvd Smyrna DE 19977 |
| Colonial Motors Inc. | 4720 S. DuPont Hwy (in front of Lowes) Dover DE 19901 |
| Colonial Motors Inc. | 6001 Summit Bridge Rd Townsend DE 19734 |
| Delaware Motor Sales Inc | 1606 Pennsylvania Ave, Wilmington, DE 19806 |
| Del Toyota | 2945 E. Lincoln Hwy Thorndale PA 19372 |
| Denton Ford | 1207 Double Hills Rd, Denton, MD 21629 |
| Felton Holly Kia | 13173 S Dupont Hwy, Felton, DE 19943 |
| First State Chevrolet | 22694 Dupont Blvd, Georgetown, DE 19947 |
| Floyd A. Megee Motors Co. | 515 N. Bedford St. Georgetown, DE 19947 |
| Frederick Ford Mercury | 26905 Sussex Highway, Seaford, DE 19973 |
| Great Cars by Marantha Motors Inc. | 219 W. Main St. Middletown DE 19709 |
| Gregory Automotive Group Inc. | 975 Frenchtown Rd. New Castle DE 19720 |
| Hertrich Buick GMC Of Salisbury | 2016 N Salisbury Blvd, Salisbury, MD 21801 |
| Hertrich Chevrolet of Dover | 1450 S. Dupont Hwy Dover DE 19901 |
| Hertrich Ford of Elkton | 503 East Pulaski Hwy Elkton MD 21921 |
| Hertrich Nissan Jeep | 1378 S Dupont Hwy, Dover, DE 19901 |
| Hertrich of Denton | 1123 Industrial Park Way, Denton, MD 21629 |
| Hertrich of Elkton | 1147 Pulaski Hwy, Elkton, MD 21921 |
| Hertrich of Newark, Inc. | 300 E. Cleveland Ave Newark DE 19711 |
| Hertrich of New Castle | 120 S Dupont Hwy, New Castle, DE 19720 |
| Hertrich of Pocomoke, Inc | 1618 Ocean Highway, Pocomoke City, MD |
| Hertrich of Pocomoke South | 1337 Ocean Highway, Pocomoke City, MD |
| Hertrich of Salisbury East | 2531 Salisbury Blvd, Salisbury, MD 21801 |
| Hertrich Pontiac Buick Gmc | Po Box 770, Seaford, DE 19973 |
| Hertrich Toyota Scion | 1367 Bay Rd, Milford, DE 19963 |
| Hertrich's Capitol | 1127 S Dupont Hwy, Dover, DE 19901 |
| Hertrich's Ford Lincoln | 1427 Bay Rd, Milford, DE 19963 |
| Holden Dodge | 640 S Governors Ave, Dover, DE 19904 |
| Hopkins Automotive | 20863 Sussex Hwy, Seaford DE 19973 |
| Ig Burton Berlin | 10419 Old Ocean City Hwy, Berlin, MD 21811 |
| Ig Burton Buses | 793 Bay Road, Milford, DE 19963 |
| Ig Burton Chevrolet | 793 Bay Road, Milford, DE 19963 |
| Ig Burton Chrysler | 605 Bay Rd, Milford, DE 19963 |
| Ig Burton Imports | 509 Bay Road, Milford, DE 19963 |
| Ig Burton Lewes | 17861 Coastal Highway, Lewes, DE 19958 |
| Ig Burton of Newark | 244 E. Cleveland Ave Newark DE 19711 |
| Ig Burton Smyrna Inc | 19 S Dupont Hwy, Smyrna, DE 19977 |
| Ig Burton Toyota of Dover (formally CF Schwartz Toyota) | 1536 N DuPont Hwy Dover DE 19901 |
| Ig Seaford Chevrolet | 24799 Sussex Highway, Seaford, DE 19973 |
| Kent County Motor Sales Co. | 2181 S. Dupont Hwy Dover DE 19901 |
| Lakeshore Motor Co, Inc. | 22586 Sussex Hwy, Seaford, DE 19973 |
| Luxury Motors of Rehoboth Beach | 20575 Coastal Hwy Rehoboth Beach, DE 19971 |
| Matt Slap Subaru | 255 E. Cleveland Ave Newark DE 19711 |
| Millsboro Auto Mart/Millsboro Chrysler DJR | 28380 DuPont Blvd, Millsboro, DE 19966 |
| Nucar Connection Inc. | 174 N. Dupont Hwy New Castle, DE 19720 |
| Ocean Area Finest | 34461 Atlantic Ave, Ocean View, DE 19970 |
| Ourisman Tri-State Subaru (formerly Matt Slap Subaru) | 255 E. Cleveland Ave Newark DE 19711 |
| Outright Auto LLC | 3622 DuPont Pkwy Townsend DE 19734 |
| Pittsville Ford | 7155 Friendship Rd, Pittsville, MD 21850 |
| Pohanka Honda | 2011 N Salisbury Blvd, Salisbury, MD 21801 |
| Pohanka Hyundai | 2015 N Salisbury Blvd. Salisbury MD 21801 |
| Pohanka Mercedes | 2013 N Salisbury Blvd, Salisbury, MD 21801 |
| Pohanka Nissan | 2012 N Salisbury Blvd, Salisbury, MD 21801 |
| Pohanka Toyota | 2010 N Salisbury Blvd, Salisbury, MD 21801 |
| Pohanka Volkswagen | 2007 N Salisbury Blvd, Salisbury, MD 21801 |
| Porter Chevrolet | 414 E. Cleveland Ave, Newark DE 19711 |
| Porter Ford | 600 Ogletown Rd Newark DE 19711 |
| Porter Hyundai | 393 E. Cleveland Ave Newark DE 19711 |
| Preston Auto Group | 3807 Kirkwood Hwy Wilmington DE 19808 |
| Preston Ford | 4313 Preston Rd, Hurlock, MD 21643 |
| Preston Hyundai | 4327 Preston Rd, Hurlock, MD 21643 |
| Preston Hyundai of Millsboro | 28362 DuPont Blvd Millsboro DE 19966 |
| Preston Mazda | 4309 Preston Rd, Hurlock, MD 21643 |
| Preston Nissan | 4307 Preston Rd, Hurlock, MD 21643 |
| Preston of Dover Chrysler Dodge Jeep Ram | 640 S. Governors Ave Dover DE 19904 |
| Price Acura | 4575 S Dupont Hwy, Dover, DE 19901 |
| Price Honda | 4585 S Dupont Hwy, Dover, DE 19901 |
| Price New Castle Inc dba Price Toyota | 168 DuPont Hwy New Castle DE 19720 |
| Pristine Motorsports LLC | 1950 S DuPont Blvd Smyrna DE 19977 |
| Royal Imports Inc dba Newark Toyota World (also Price) | 230 E Cleveland Ave Newark DE 19711 |
| Rio Motors, Inc. | 33139 DuPont Blvd Frankford DE 19945 |
| Selbyville Holly Kia | 38015 Dupont Blvd, Selbyville, DE 19975 |
| Sheridan Ford | 4001 Kirkwood Hwy, Wilmington, DE 19808 |
| Sheridan Nissan Llc | 114 S Dupont Hwy, New Castle, DE 19720 |
| Springfield Mitsubishi | 313 Baltimore Pike Springfield PA 19064 |
| The Car Store Laurel | 28959 Sussex Hwy, Laurel, DE 19956 |
| The Car Store Salisbury | 2520 N Salisbury Blvd, Salisbury, MD 21801 |
| The Truck Store | 202 N. Fruitland Blvd, Fruitland, MD 21826 |
| The Truck Store | 423 S. Dupont Hwy, Dover 19901 |
| The Truck Store | 8640 Ocean Hwy, Delmar, MD 21875 |
| Three Brothers Auto dba My Car | 3802 N DuPont Hwy, New Castle 19720 |
| VW of Springfield | 300 Baltimore Pike Springfield PA 19064 |
| Williams Chevrolet | 2 Automotive Blvd Elkton MD 21921 |
| Willis Chevrolet Inc | 2707 S Dupont Hwy, Smyrna, DE 19977 |
| Willis Ford | 15 N. Dupont Hwy Smyrna DE 19977 |
| Winner Chevrolet | 2101 Pennsylvania Ave Wilmington DE 19806 |
| Winner Ford (Hyundai) | 591 Dupont Hwy, Dover, DE 19901 |
| Winner VW | 1367 N Dupont Hwy, Dover, DE 19901 |
We’ve partnered with GreenPath™ to offer a plethora of financial education resources and courses designed to provide education and value to members exploring various products and services! Check out our co-branded free online course on auto loans:
Plan For The Unexpected
Does your family have a safety net if the unexpected hits? Click here to learn more about our optional debt protection, to protect your new/existing loan(s), or to file a claim.
Why Choose Del-One FCU?
- Competitively low, fixed rates on new or used vehicles, including motorcycles
- A wide range of terms customized to your unique situation
- Refinance your current vehicle to potentially lower your rate. Find out how much you could save using our Auto Refinance Interest Savings Calculator
- Pre-approval available for extra bargaining power at the dealership
- Mechanical breakdown coverage available
- GAP protection available
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