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Vehicle Lending Center

Please note that in accordance with 12 CFR 1002.5(d)(2). Income derived from alimony, child support, or separate maintenance payment need not be revealed if the applicant does not want the creditor to consider the information in determining the applicant’s creditworthiness.

Auto Loans

Make Destinations your first stop for auto financing! We provide quick pre-approvals, flexible terms, and great rates. You can even refinance higher-rate loans from other lenders!

  • 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

Eco-Friendly Discount:

Take an additional 0.25% off the auto loan rate if your vehicle is considered environmentally friendly by the Environmental Protection Agency. For more information, visit the EPA’s website. Not just hybrid, electric and small cars are considered eco-friendly. Find out if your vehicle is eligible. Discounts for vehicle refinances are limited to auto loans you have with other lenders.

Please note that in accordance with 12 CFR 1002.5(d)(2). Income derived from alimony, child support, or separate maintenance payment need not be revealed if the applicant does not want the creditor to consider the information in determining the applicant’s creditworthiness.

Auto & Motorcycle

Loan TermRate as Low asPayment Example
Up to 60 Months5.99%60 Payments of $386.56 ($20,000 Loan Amount)
61 to 72 Months6.49%72 Payments of $336.10 ($20,000 Loan Amount)4
73 to 84 Months7.04%84 Payments of $453.37 ($30,000 Loan Amount) 5

Rates accurate as of April 11, 2024. Contact us for more information.

Rates are subject to change without notice after accounts are opened. Fees may reduce earnings.

APR = Annual Percentage Rate. Stated APR is the lowest rate available for qualified members. Finance rates are determined by your credit score. Down payment may be required. Not all applicants will qualify for the lowest rate. Rates and terms subject to change at any time without notice.

4Maximum loan to value is 110% (Clean Retail Value of the vehicle is determined by JD Power) 10% down payment required.
510% down payment required.

Car Shopping Made Simple

Not only will we help you fund your dream car, but we’ll help you find it too. We partner with GrooveCar to help you research and find the right vehicle at the right price. You can search for your perfect ride using criteria like new or used, make and model, and monthly payment. Visit Destinations’ online car buying service to get started!
  • Search for new or used cars
  • Compare vehicles by make, model and price
  • Access CarFax® reports
  • Request a quote
  • Get pre-approved online
  • Research vehicle specifications

Auto Equity Loan

Need a quick loan? Get quick cash at a low rate by using your car as collateral. As a member of Destinations Credit Union, you can get affordable auto equity loans based on your credit score to ensure financial freedom and the option to use your car as collateral.

Benefits include:

  • Terms of up to five years
  • Option to borrow 90-100% of the clean trade value
  • Lower rates compared to unsecured loans
  • Low rate APR, depending on your credit score 24/7 loan application availability and quick approvals
  • Ability to borrow against the paid-in value of the car
Please note that in accordance with 12 CFR 1002.5(d)(2). Income derived from alimony, child support, or separate maintenance payment need not be revealed if the applicant does not want the creditor to consider the information in determining the applicant’s creditworthiness.

Auto Loan Resources

Destinations Credit Union offers numerous auto loan calculators and resources to help you make sound financial decisions to secure your financial future:
Auto Loan Calculators

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. View Brochure
  • GAP Insurance helps protect you against loss if something happens to your vehicle and you owe more than your insurance will pay. View Brochure
  • TrueStage Auto and Home Insurance
  • Mechanical Repair Coverage may help limit unexpected covered repair costs as your vehicle ages, potentially saving you thousands of dollars in repairs. View Brochure

Not a member yet? Join Now or visit us in person


HOLIDAY CLOSING: Destinations will be closed on Monday, May 27, 2024, in observance of the Memorial Day holiday. You can access your accounts 24/7 via our Mobile App, e-Banking, or our Free ATM Network.Click Here and learn more about 24/7 account access with our E-Services.
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