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Vehicle Equity Loan

Use the value in your vehicle to consolidate debt or use the cash for purchases, vacations or any other purpose you have in mind.

Don't Miss Out on These Offers!

NO PAYMENTS for the first 90 days*

when you purchase a used or new ride!


No payments for the first 90 days plus we’ll Beat the Deal1!

We’ll beat your current rate by up to 1%1 APR

when you refinance your loan from another institution with our Beat the Deal program.

Save .75% when you set up Direct Deposit with your Del-One FCU account plus .25% when you assign auto payments to your loan.

Borrow up to 130%*

of your vehicles value.

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What Is A Vehicle Equity Loan?

A Vehicle Equity Loan lets you get quick access to money you can use for anything at a low interest! It’s easy to get started!

Depending on how much of your vehicle you’ve already paid off, you could BORROW UP TO 130%* of your vehicle’s value.

If you’ve paid off your vehicle, or you have equity in it, you may be able to use it for a Vehicle Equity Loan. Having a secured loan helps you save money, since you’ll get a lower rate. You’ll also enjoy convenient repayment terms up to 84 months in length.

  • Use your loan for debt consolidation, tax payments, vacations, home projects, medical expenses, education, and more
  • Competitive interest rates as low as 2.99% APR** – View Current Rates
  • Flexible terms to better fit your financial situation

*Conditions/Restrictions apply.  Rates and terms are based on credit worthiness and are subject to change.  Maximum loan amount based on credit quality and NADA value.
Minimum loan amount $5,000.  Eligible personal cars and trucks 2012 and newer, mileage under 100,000.  Branded titles ineligible. Title must be surrendered.  If lien exists, vehicle must be refinanced in full to Del-One. Annual percentage rate not to fall below current floor rate.

**Rate includes up to .25% discount for having or opening a CU checking account with direct deposit, or a CU checking account with auto pay, not lower than floor rate. A.P.R.= Annual Percentage Rate. Rates may vary based on term, loan to value, and credit worthiness.  Rates subject to change. Rates accurate as of above listed date. Other terms and rates available. Members may contact any CU staff member for further information on applicable fees and terms.

 1 Annual Percentage Rate. Up to .75% off current rate from another issuer on unsecured installment or motor vehicle loans and an additional .25% off with Del-One checking with direct deposit or enroll in Auto Pay; no other discounts and APR not to go below floor rate.  If direct deposit or Auto Pay is discontinued at any time during the term of the loan, then any corresponding discount will be forfeited.  Offer not valid on existing Del-One loans or credit cards.