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. We're proud to serve the Baltimore area including the city of Baltimore, White Marsh, Nottingham, Perry Hall, Reisterstown, Parkville, and Towson. Our experienced lenders handle everything right here in the Baltimore area — taking you from paperwork to pavement in no time flat!

Auto Loans 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 Loans
  • 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
Save 2% on Auto Loan Refinancing

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.

Interest Rates Certified by Datatrac