Vehicle Loans

Buying your first vehicle or making a ride upgrade has never been easier. Work with lenders you can trust to get the best deal and a fast pre-approval.

Express Auto Loan

Take the hassle out of car buying with an Express Auto Loan*!

This loan offers a new, more convenient way to shop for a vehicle! Here’s how it works:

 

Step 1

Eliminate the back-and-forth with financing by getting approved first! Once approved, we’ll provide you with a blank check you can use to purchase a vehicle for any amount up to your approved limit!

negotiating

Step 2

Have more negotiating power by knowing your purchasing amount ahead of time, making car shopping easier for you.

blank check

Step 3

Once you find the vehicle you want and negotiated the best price, fill out your blank check to complete the sale.

drive away

Step 4

Drive away with your new wheels! It’s that easy!

*Conditions and restrictions apply

Member Testimonals

Just wanted to take a few minutes and offer some feedback about the loan process I used to secure a new vehicle in June. I have not applied for a car loan or any type of loan in several years so I wasn’t quite sure what to expect! First of all the process was much easier than I expected! I was able to take advantage of the Express auto loan process and present my vendor with a check for the complete purchase. No salesperson to deal with. Working with Mrs Neal was wonderful she explained everything step by step, answered my questions step by step:) and did it with patience, after evaluating what loan was best for me. Applying and securing my check for purchase was so easy to do. I was attracted by the interest rate and that’s what peaked my interest to begin the process. I continue to enjoy working with Del-One!

Getting an Express Auto Loan through Del-One was just that “Express”. Our paperwork/documents were ready for signature upon arrival, and we were on our way with check in hand to buy our new car. The staff was very professional and personable. Thank you to Del-One for continuing to meet our needs.

Current loan rates

Account APRA
New Vehicle1 E Rates as low as… 6.13%
Used Vehicle2 E Rates as low as… 6.38%
Motorcycle*D Rates as low as… 8.75%
Boat* Rates as low as… 11.00%

*Rate includes up to .50% discount for having direct deposit, or auto pay to loan from checking account, not to go lower than floor rate. Discount of .25% for auto pay to loan.

A) A.P.R.= Annual Percentage Rate
B) Rates may vary based on term, down payment, credit worthiness and age of vehicle (for used)
C) Rates based on the Prime Rate of 5/1/2024
D) Lowest rates availalble for Indian and Harley Davidson motorcycles only
E) Additionall .25% will be deducted as Green Auto Discount for any purchase of an Electric Vehicle, Hybrid, Fuel Cell, Plug-In Hybrid Electric Vehicle or Tesla

1. New Vehicles include: Auto, Truck & Van
2. Used Vehicles include: Auto, Truck & Van

Effective 7/1/2024
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 info. on applicable fees and terms.

Get a Carfax Report

Our credit union provides a CARFAX Vehicle History Report to help protect our members from salvage, total loss, structural damage, lemon, and flood vehicles.

Calculate Your Vehicle Loan

Look up a dealer partner

Del-One FCU’s Dealer Partners Lending Program makes applying for your auto loan easy! Just visit any one of our participating dealer partners and apply for your loan at the dealership. The dealership will complete your paperwork and you can drive away in your new vehicle upon approval!

Are you interested in becoming a Dealer Partner with Del-One Federal Credit Union?
Fill out an application today!

Dealer PartnerLocation
5 Friends Auto Sales LLC199 Philadelphia Pike
Wilmington DE 19809
Atlantic Auto Brokers, Inc15428 S. DuPont Hwy, Harrington, DE 19952
Bayshore Truck Center4003 N. DuPont Hwy
New Castle DE 19720
Boulevard Ford18443 Coastal Hwy, Lewes, DE 19958
Boulevard Ford/Lincoln40 Bridgeville Rd, Georgetown, DE 19947
Buchanan Subaru Inc1727 Market St.
Pocomoke City MD 21851
Carman Ford Lincoln Inc.193 S. Dupont Hwy
New Castle DE 19720
Carman of New Castle d/b/a Carman Dodge Inc196 S. Dupont Hwy
New Castle DE 19720
Cars Made EZ36365 Sussex Highway, Delmar, DE 19940
CCFORD dba Pohanka Ford
1902 N. Salisbury Blvd
Salisbury MD 21801
CFCDJR LLC dba Pohanka Chrysler DJR1915 N. Salisbury Blvd
Salisbury MD 21801
CFKIA LLC dba Pohanka Kia1911 N. Salisbury Blvd
Salisbury MD 21801
Colonial Motors Inc.205 N, DuPont Blvd
Smyrna DE 19977
Colonial Motors Inc.4720 S. DuPont Hwy (in front of Lowes) Dover DE 19901
Colonial Motors Inc.6001 Summit Bridge Rd Townsend DE 19734
Delaware Motor Sales Inc1606 Pennsylvania Ave, Wilmington, DE 19806
Del Toyota2945 E. Lincoln Hwy
Thorndale PA 19372
Denton Ford1207 Double Hills Rd, Denton, MD 21629
Diver Chevrolet2101 Pennsylvania Ave
Wilmington DE 19806
Felton Holly Kia13173 S Dupont Hwy, Felton, DE 19943
First State Chevrolet22694 Dupont Blvd, Georgetown, DE 19947
Floyd A. Megee Motors Co.515 N. Bedford St. Georgetown, DE 19947
Frederick Ford Mercury26905 Sussex Highway, Seaford, DE 19973
Great Cars by Marantha Motors Inc.219 W. Main St.
Middletown DE 19709
Gregory Automotive Group Inc.975 Frenchtown Rd. New Castle DE 19720
Hertrich Buick GMC Of Salisbury2016 N Salisbury Blvd, Salisbury, MD 21801
Hertrich Chevrolet of Dover1450 S. Dupont Hwy
Dover DE 19901
Hertrich Ford of Elkton503 East Pulaski Hwy
Elkton MD 21921
Hertrich Nissan Jeep1378 S Dupont Hwy, Dover, DE 19901
Hertrich of Denton1123 Industrial Park Way, Denton, MD 21629
Hertrich of Elkton1147 Pulaski Hwy, Elkton, MD 21921
Hertrich of Newark, Inc.300 E. Cleveland Ave
Newark DE 19711
Hertrich of New Castle120 S Dupont Hwy, New Castle, DE 19720
Hertrich of Pocomoke, Inc1618 Ocean Highway, Pocomoke City, MD
Hertrich of Pocomoke South1337 Ocean Highway, Pocomoke City, MD
Hertrich of Salisbury East2531 Salisbury Blvd, Salisbury, MD 21801
Hertrich Pontiac Buick GmcPo Box 770, Seaford, DE 19973
Hertrich Toyota Scion1367 Bay Rd, Milford, DE 19963
Hertrich's Capitol1127 S Dupont Hwy, Dover, DE 19901
Hertrich's Ford Lincoln1427 Bay Rd, Milford, DE 19963
Holden Dodge640 S Governors Ave, Dover, DE 19904
Hopkins Automotive20863 Sussex Hwy, Seaford DE 19973
Ig Burton Berlin10419 Old Ocean City Hwy, Berlin, MD 21811
Ig Burton Buses793 Bay Road, Milford, DE 19963
Ig Burton Chevrolet793 Bay Road, Milford, DE 19963
Ig Burton Chrysler605 Bay Rd, Milford, DE 19963
Ig Burton Imports509 Bay Road, Milford, DE 19963
Ig Burton Lewes17861 Coastal Highway, Lewes, DE 19958
Ig Burton of Newark244 E. Cleveland Ave
Newark DE 19711
Ig Burton Smyrna Inc19 S Dupont Hwy, Smyrna, DE 19977
Ig Burton Toyota of Dover (formally CF Schwartz Toyota)1536 N DuPont Hwy
Dover DE 19901
Ig Seaford Chevrolet24799 Sussex Highway, Seaford, DE 19973
Kent County Motor Sales Co.2181 S. Dupont Hwy Dover DE 19901
Lakeshore Motor Co, Inc.22586 Sussex Hwy, Seaford, DE 19973
Luxury Motors of Rehoboth Beach20575 Coastal Hwy
Rehoboth Beach, DE 19971
Matt Slap Subaru255 E. Cleveland Ave
Newark DE 19711
Millsboro Auto Mart/Millsboro Chrysler DJR28380 DuPont Blvd, Millsboro, DE 19966
Nucar Connection Inc.174 N. Dupont Hwy
New Castle, DE 19720
Ocean Area Finest34461 Atlantic Ave, Ocean View, DE 19970
Ourisman Tri-State Subaru (formerly Matt Slap Subaru)255 E. Cleveland Ave
Newark DE 19711
Outright Auto LLC3622 DuPont Pkwy
Townsend DE 19734
Pittsville Ford7155 Friendship Rd, Pittsville, MD 21850
Pohanka Honda2011 N Salisbury Blvd, Salisbury, MD 21801
Pohanka Hyundai2015 N Salisbury Blvd.
Salisbury MD 21801
Pohanka Mercedes2013 N Salisbury Blvd, Salisbury, MD 21801
Pohanka Nissan2012 N Salisbury Blvd, Salisbury, MD 21801
Pohanka Toyota2010 N Salisbury Blvd, Salisbury, MD 21801
Pohanka Volkswagen2007 N Salisbury Blvd, Salisbury, MD 21801
Porter Chevrolet414 E. Cleveland Ave, Newark DE 19711
Porter Ford600 Ogletown Rd Newark DE 19711
Porter Hyundai393 E. Cleveland Ave Newark DE 19711
Preston Auto Group3807 Kirkwood Hwy
Wilmington DE 19808
Preston Ford4313 Preston Rd, Hurlock, MD 21643
Preston Hyundai4327 Preston Rd, Hurlock, MD 21643
Preston Hyundai of Millsboro28362 DuPont Blvd
Millsboro DE 19966
Preston Mazda4309 Preston Rd, Hurlock, MD 21643
Preston Nissan4307 Preston Rd, Hurlock, MD 21643
Preston of Dover Chrysler Dodge Jeep Ram640 S. Governors Ave
Dover DE 19904
Price Acura4575 S Dupont Hwy, Dover, DE 19901
Price Honda4585 S Dupont Hwy, Dover, DE 19901
Price New Castle Inc
dba Price Toyota
168 DuPont Hwy
New Castle DE 19720
Pristine Motorsports LLC1950 S DuPont Blvd
Smyrna DE 19977
Royal Imports Inc
dba Newark Toyota World (also Price)
230 E Cleveland Ave
Newark DE 19711
Rio Motors, Inc.33139 DuPont Blvd
Frankford DE 19945
Selbyville Holly Kia38015 Dupont Blvd, Selbyville, DE 19975
Sheridan Ford4001 Kirkwood Hwy, Wilmington, DE 19808
Sheridan Nissan Llc114 S Dupont Hwy, New Castle, DE 19720
Springfield Mitsubishi313 Baltimore Pike
Springfield PA 19064
The Car Store Laurel28959 Sussex Hwy, Laurel, DE 19956
The Car Store Salisbury2520 N Salisbury Blvd, Salisbury, MD 21801
The Truck Store 202 N. Fruitland Blvd, Fruitland, MD 21826
The Truck Store423 S. Dupont Hwy, Dover 19901
The Truck Store8640 Ocean Hwy, Delmar, MD 21875
Three Brothers Auto dba My Car3802 N DuPont Hwy, New Castle 19720
VW of Springfield300 Baltimore Pike
Springfield PA 19064
Williams Chevrolet2 Automotive Blvd
Elkton MD 21921
Willis Chevrolet Inc2707 S Dupont Hwy, Smyrna, DE 19977
Willis Ford15 N. Dupont Hwy
Smyrna DE 19977
Winner Ford (Hyundai)591 Dupont Hwy, Dover, DE 19901
Winner VW1367 N Dupont Hwy, Dover, DE 19901

Plan For The Unexpected

Does your family have a safety net if the unexpected hits? Click here to learn more about our optional debt protection, to protect your new/existing loan(s), or to file a claim.

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Why Choose Del-One FCU?

  • Competitively low, fixed rates on new or used vehicles, including motorcycles
  • A wide range of terms customized to your unique situation
  • Refinance your current vehicle to potentially lower your rate. Find out how much you could save using our Auto Refinance Interest Savings Calculator
  • Pre-approval available for extra bargaining power at the dealership
  • Mechanical breakdown coverage available
  • GAP protection available