Loans
Apply for a loan with ease.
Auto Loans
Your credit union offers great low rates and easy terms on new and used auto loans and auto refinancing. Get preapproved and shop for your vehicle with confidence, or refinance your auto loan from another lender with Dillard’s Federal Credit Union to potentially save money!
We’ve got you covered whether you're in the market for a new or pre-owned car, or looking to refinance¹ your current auto loan.
To Save!
Refinancing your auto loan could be the key to unlocking extra savings each month! If your score has improved since you bought your car, you may now qualify for a lower interest rate, which means lower monthly payments.
Payroll Deduction
Make your auto loan payments even more affordable with our convenient weekly payroll deduction option. By spreading your payments over smaller, manageable amounts deducted from each paycheck, you can ease the strain of larger monthly payments. This simple approach helps you stay on top of your finances and ensures that your loan is paid down consistently, without disrupting your budget. Let us help you take control of your auto loan with stress-free, automated payments that fit your weekly income.
1: Current DFCU auto loans are not eligible for refinance.
Get Your CARFAX® Vehicle History Report FREE
We want to give you all the tools you need to feel confident about the used vehicle you plan to purchase. That’s why your credit union has partnered with CARFAX®, the most comprehensive vehicle history resource available! A CARFAX® Vehicle History Report purchased via the CARFAX® website costs $39.99 for one vehicle.
If you request a CARFAX® Vehicle History Report through Dillard’s Federal Credit Union and then finance the vehicle with us - your CARFAX® report is FREE!
If you decide not to finance your vehicle through DFCU, the fee is only $25.99.
It's easy to get your FREE CARFAX® Vehicle History Report
Shop for your used vehicle
Visit our branch, call, or email info@myDFCU.com and provide us with your Vehicle Identification Number (VIN).
Our staff will pull the CARFAX® report and review it with you. At your request, we will also e-mail and/or fax the report to you. For each report, $25.99 will be deducted from your Dillard’s Federal Credit Union account. Then, if you finance the vehicle with DFCU, the fee is refunded. A CARFAX® Vehicle History Report gives you certainty and confidence that your used car history is clean and clear.
Mortgage Loans
Your One-Stop Shop for Home Loans
We know mortgages – like houses – are not one-size-fits-all. That’s why we offer a variety of loan programs along with personalized services to help you choose the loan that best fits your needs.
Whether you’re ready to move into your dream home, or you want to explore refinancing your existing mortgage, we’re here to help!
Please call us today for more information!
Collateral Loans
Dillard’s Federal Credit Union offers loan options for items such as lawn tractors, utility trailers, horse trailers, pianos, and other big-ticket collateral items.
The minimum loan amount is $500 with terms up to 48 months. Your annual percentage rate will be determined based upon DFCU's risk lending policy.
Insurance
Credit Life and Disability insurance available at member’s expense through Cuna Mutual.
Personal Loans/Line of Credit
A Dillard’s Federal Credit Union Line of Credit Loan (LOC) establishes a maximum credit limit amount that allows you to make loan advances at your convenience. Your Line of Credit Loan can be linked to your DFCU Checking Account and transfers can be made through our online account access, by a teller or by check withdrawal.