Credit Union of Denver offers auto loans, refinancing, and vehicle equity loans with rates starting at 4.95% APR and flexible terms up to 84 months for new/used cars, motorcycles, RVs, and classic vehicles.
Editorially reviewed by Harvey Brooks
Credit Union of Denver is a federally-chartered credit union (Routing #307075259) that provides vehicle financing as part of its consumer lending services. The organization operates as a full-service financial institution offering banking products alongside specialized auto lending. Their auto loan division serves members seeking to purchase or refinance vehicles across multiple categories including standard autos, motorcycles, RVs, and classic cars. The company emphasizes local service with loan specialists available by phone and email, operating primarily in the Denver, Colorado market based on their website domain and contact information.
The credit union offers new and used auto loans with current rates as low as 4.95% APR for terms up to 60 months, extending to 84 months at higher rates. Additional offerings include motorcycle financing (from 6.99% APR), RV loans (from 7.75% APR up to 240 months), classic car financing (by appraisal), auto refinancing from other institutions, and auto equity loans for borrowers with vehicle equity. They advertise flexible features including up to 100% financing, pre-approvals, customizable payment dates, and a current promotion offering a $295 gas card for qualified auto loans over $20,000. A First Time Auto Buyer Program is available for those with little to no credit history.
Credit Union of Denver distinguishes itself through membership-based lending with localized customer service, offering multiple vehicle categories beyond standard autos. The organization provides online loan applications available 24 hours and integrates with dealership closing processes for convenience. They include a vehicle valuation tool via J.D. Power partnership and payment calculators on their website. The classic car financing option with appraisal-based underwriting differentiates them from some competitors, as does explicit support for private-party vehicle purchases alongside dealership financing.
As a credit union, CUD members enjoy member-focused pricing and democratic governance, though membership requirements may apply. The current rate information is dated 03/01/2026, and actual rates depend on creditworthiness and loan terms. While the organization provides competitive auto financing with flexible options, consumers should note that this is a regional credit union based in Colorado, and availability outside that market may be limited. The promotional gas card offer is time-limited and requires a qualified loan over $20,000.
Yes. Auto Loan Car Loan is a registered company headquartered in 1685 S Colorado Blvd L, Denver, CO 80222. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Credit Union of Denver is best for Colorado-based credit union members and new auto buyers seeking competitive rates and flexible terms on vehicle financing, including specialty options for classic cars and RVs. The main caveat is that availability is regionally limited to the Denver/Colorado market, and approval rates depend on individual creditworthiness—advertised rates are not guaranteed for all borrowers.
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