Our dealer lineup is ready to help you!

Thanks to our broad network of Michigan dealer partners, Dow Credit Union makes on-the-spot financing feel effortless. Sign your loan papers right at the dealer, grab the keys, and go with confidence. New or pre-owned, enjoy up to 100% financing for qualified borrowers—and rates you’ll love!*


* Certain restrictions may apply. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Membership required.


Explore our 100+ dealer partners across Michigan!

 

 Click on the expand icon to view a complete list of dealers.

With membership open to all, we have the dealers and the rates to make your experience great!

 

Unlock Potential

FEATURED AUTO RATE

As Low As
4.74% APR1

Cars | Trucks | SUVs | Vans


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1. APR = Annual Percentage Rate. Rates effective 12/02/2025. Rates, terms and conditions, including the 90-day payment deferral, are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Finance charge (interest) will accrue during the no-payment period; payments will be amortized over the monthly loan payments. All loans subject to approval. Membership required. Other loan limitations may apply. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits.

Unlock Potential

FEATURED RV RATE

As Low As
5.74% APR2

Snowmobiles | ATV/UTVs | RVs | Boats | Motorcycles


Sign in & Apply  Join & Apply

 

2. APR = Annual Percentage Rate. Rates effective 12/02/2025. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Membership required. Other loan limitations may apply. As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits.

Dow Credit Union is proud to offer 90 days no pay!
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Here's how it works:

 

  1. Tell your salesperson, "I'm financing with Dow Credit Union!"

    2.  

  2. They’ll help you with the application and send it to us for fast approval.

    3.  

  3. Sign everything at the dealership—no extra stops, no extra hassle.

    4.  

  4. New members will be mailed account and loan details.*

    5.  

*Current member loan details are available through Online/Mobile Banking or in statements.

Choose a loan that's right for you!

Auto Loans [non-rebate]

Effective December 2, 2025 [listed rates are current]
Term APR as low as Payment as low as (per $1,000 borrowed)
Up to 36 months 4.74% $29.85
37 to 48 months 5.24% $23.14
49 to 60 months 5.49% $19.10
61 to 72 months 5.74% $16.45
73 to 84 months 5.74% $14.48
85 to 96 months 6.24% $13.26
  • APR = Annual Percentage Rate.
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Membership required. Other loan limitations may apply.
  • As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits.
Sign in & Apply  Join & Apply

RV Loans [non-rebate]

Effective December 2, 2025 [listed rates are current]
Term APR as low as Payment as low as (per $1,000 borrowed)
Up to 36 months 5.74% $30.30
37 to 48 months 6.24% $23.60
49 to 60 months 6.49% $19.56
61 to 72 months 6.74% $16.92
73 to 84 months 6.74% $14.97
85 to 120 months 7.49% $11.86
121 to 180 months 7.99% $9.55
  • APR = Annual Percentage Rate.
  • Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Membership required. Other loan limitations may apply.
  • As low as rate reflects established qualifying monthly direct deposit totaling a minimum of $900.00 in the previous or current month. Qualifying Direct Deposits are deposits from an employer, pension, or government for payroll, benefits (e.g., Social Security), or tax refunds. The following do not qualify: P2Ptransfers (e.g., money apps), account-to-account transfers (e.g., checking to checking), non-employer/government deposits (e.g., online or bank transfers), internal Dow Credit Union transfers, check deposits (including Online Banking Deposit Check), and ATM deposits.
  • Can balloon with maximum 180-month amortization. Certain restrictions may apply.
Sign in & Apply  Join & Apply