Before stepping foot in a dealership, be sure to drop by a Destinations Credit Union branch. We provide quick pre-approvals for auto loans 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!

Summary
  • Competitively low rates on new or used vehicles
  • Up to 100% financing available (including taxes and tags)
  • Terms up to 84 months, customized to your unique situation (view 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:

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
  • Borrow 90-100% of clean trade value, depending on your credit score
Refinance and Save 2%

Do you have the right car, but the wrong loan? Refinance with Destinations Credit Union and save up to 2%* on your current loan rate and lower your payments!

  • Borrow up to 125% of NADA retail value
  • Basic GAP Insurance provided FREE (GAP Plus is available at our regular low rate)
  • 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.