Auto Loans - Vehicle Loans | Baltimore - Parkville - Towson | Destinations Credit Union - Maryland

Auto Loans

Drive off with the right ride and rate with the help of a credit union that can make it happen. Before stepping foot in a dealership, be sure to drop by a Destinations Credit Union branch. We provide quick pre-approvals with more accommodating terms and typically lower rates than what for-profit companies offer.

That's because as a not-for-profit financial institution, we use any potential gains earned to secure better rates for our well-deserving members. What else you'll receive: a painless process. Our experienced lenders handle everything right here in the Baltimore area — taking you from paperwork to pavement in no time flat!

Interest Rates Certified by Datatrac
Summary
  • Competitively low rates on new or used vehicles
  • 100% financing available (including taxes and tags)
  • Terms up to 84 months, customized to your unique situation (click for rates and additional information)
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your loan to potentially lower your rate
  • Set up payroll deduction for easy repayment
  • Quick approvals; 24/7 online application process
  • Local Baltimore-area decision-making and processing
  • Helpful, dedicated service from start to finish

Additional Coverage for your vehicle:

  • Debt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you.
  • GAP Insurance - helps protect you against loss if something happens to your vehicle and you owe more than your insurance will pay.
  • TrueStage Auto and Home Insurance
  • Auto Exam Extended Warranty
Motorcycle, Boat & RV Loans

On-road, off-road — wherever your vehicle drives, accommodating financing is just the same. We work closely with you to customize financing for both daily drivers and recreational vehicles.

  • Competitively low rates on new or used recreational vehicles:
  • ATVs
  • RVs
  • Motor homes
  • Motorcycles
  • Boats
  • Personal watercrafts
  • And more!
  • 100% financing available (including taxes and tags)
  • Terms up to 84 months, customized to your unique situation (click for rates and additional information)
  • Pre-approval available for extra bargaining power at the dealership
  • Refinance your loan to potentially lower your rate
  • Set up payroll deduction for easy repayment
  • Quick approvals; 24/7 online application process
  • Local Baltimore-area decision-making and processing
  • Helpful, dedicated service from start to finish
Auto Equity Loan
  • Borrow against the paid-in value of your car (clean trade value)
  • Low rates when compared with unsecured loans
  • Terms of up to 5 years (click for rates and additional information)
  • Borrow 90 - 100% of clean trade value, depending on your credit score
Refinance & Save 2%

Do you have the right car, but the wrong loan? Before you make your next car payment, refinance with Destinations CU and save up to 2% on your current loan rate!*

  • Borrow up to 125% of NADA retail value (Basic GAP Insurance provided FREE).
  • Length of term will be the same as your existing term and must be repaid with direct deposit or payroll deduction.
  • Must be a member in good standing with no Destinations CU delinquencies or negative balances.
  • No bankruptcy within the past 12 months and may not have caused a loss to the credit union.
  • Must be current on all mortgage and auto loans.

All you need is:

  • Title & current lender information
  • Six months of timely payments on your credit report
  • One month's worth of recent pay stubs (no sick pay, unemployment, or workman's compensation)

*Rate cannot go lower than Destinations CU's lowest rate. Other conditions and restrictions may apply. Offer good only on loans financed elsewhere.