Auto Loans

If you're in the market for a car that's sleek and sporty, a pickup that's rough and rugged, or an SUV that's family-friendly, we're ready to get you on the road with low-cost financing.

Same great rates, new or used

Automatic savings
Get a .25% APR* loan discount for payment by payroll deduction or by automatic transfer from a DECU account.
Extra bargaining power
Getting pre-approved for your auto loan can make things simpler when negotiating with a dealer.
Refinance and save
Same car, lower monthly payment.

With us, it's always 'go time'

Enjoy some of the lowest rates around. Limited credit history or first-time car buyer? No problem. Need financing fast? We can make that happen. At Dominion Energy Credit Union, our goal is to flash the green light for our members as often as possible.

  • Enjoy the same low rate for new, used, and refinanced cars
  • Get pre-approved before you shop for extra bargaining power
  • Finance directly from participating dealers
  • Enjoy a 0.25% APR* loan discount for payment by payroll deduction or automatic transfer from a DECU account
  • Refinance your loan from another lender and save
  • Payments terms up to 84 months for new vehicles and 72 months for used vehicles
  • Add low-cost Guaranteed Asset Protection (GAP) coverage for peace of mind
  • Use Skip-A-Payment for budget flexibility
  • Apply online for instant approval or by phone at 800-268-6928 - either way it's fast and easy

Our members save an average of $267 per year in interest on new car loans.ᵗ

Credit Union Financing at the Dealer

Found the perfect car and want to drive it off the lot today? After hours and didn't get preapproved? You can now get a Dominion Energy Credit Union loan right at the dealership.

  • Visit a participating car dealership in Virginia
  • Tell the dealer you're a member and that you want low-interest rate financing through Dominion Energy Credit Union
  • Get a response within minutes at the dealer through their partnership with us
  • Research using  AutoSMART to find your make and model
The credit union made getting a car loan super quick and easy! The interest rate was really low, and they sent me the papers to close. It was my first time and I wasn’t sure what to do – they were really helpful!
Mariellen, VA; Member since 2017
What a team of professionals, they went far above normal … I deeply appreciate their working as a team for me. I chose the retirement car of my dreams and with their relentless help, made it happen. Thank you for helping my retirement start off with a great big smile!
Fred, OH; Member since 2002

Frequently Asked Questions

We currently offer a .25% APR discount for payment by payroll deduction or automatic transfer from your CU account. The .25% APR discount is not available for mortgages and credit cards.

Applying for a car loan is easy once you're a member. You can join and apply for a loan at the same time.

  • Apply online
  • Log in to Digital Banking  and click “Loan Applications.” This will take you to the online loan application, where you can click “Apply for a Vehicle Loan”
  • Call 800.268.6928
  • Complete and return an application

It’s easy to refinance your auto loan with us – and you may be able to save big on monthly payments. Here is the information we’ll need. Once ready,  just give us a call or return the form using our secure Zix mail system! You can apply through secure Digital Banking, by returning an application, by phone, or at a branch.

You can apply for loans and credit cards at the same time you join! There is no waiting period before you can take advantage of all our member benefits. The moment you become a member, you can start applying for auto loans, mortgages, and every other service we have to offer.

You can check your loan application status two ways:

  1. Log into our online application portal and click  “Check Existing Application Status” (you will need to fill in: Last name, email and social security number).
  2. Log into Digital Banking, click “Loan Application”, then “Check Existing Application Status” – it will automatically display any application created in the last 90 days.

To check the status of a mortgage application, please log into our online mortgage portal.

 You can also call us at 800-268-6928.

When you drive your new or used vehicle off the dealer’s lot it begins to depreciate in value. This could mean that there is a big difference between what you owe on the loan and what your auto insurance will pay in the event of a total loss. In the event of a total loss, GAP insurance helps to pay the difference between the value of your vehicle and what you owe on your loan. It covers up to 130% loan-to-value for a one-time fee of $350. This is available on vehicles, motorcycles, boats, and RVs.

You can add GAP insurance to your Dominion Energy CU car loan at any time; just call us at 800-268-6928.

Cards to fit every lifestyle

From earning rewards to competitive rates, our credit cards are the perfect combination of perks, convenience and security.