At Dow Credit Union, we have your back!

Dow Credit Union | Auto and RV Dealer Program

BEST-IN-CLASS DEALER SUPPORT

Support that keeps deals moving.

Steady business. Faster closings. A team that has your back. From clear credit and funding guidelines to industry insights and dedicated support, we help you structure deals confidently and move them from financing to funding with fewer delays.

Steady Business

Backed by our 84,000-member community and competitive rates, we help you structure more deals with confidence—supported by clear, consistent credit policies.

Become a Partner

Faster Closings

Submit clean, complete deals from the start for quicker decisions. Our clear funding guidelines and dedicated support help keep deals moving without rework or delays.

Become a Partner

Dedicated Team

Our team delivers industry insights, policy and program updates, regulatory reminders, and product details—so you’re always informed and ready.

Meet the Team

COMPETITIVE RATES

Give them more buying power.

Competitive rates can help make monthly payments more affordable, giving members and future members greater flexibility to find the right vehicle. And when the numbers work better for the buyer, you have another advantage to help turn more opportunities into closed deals.

Auto Loans [non-rebate]

Effective June 18, 2026 [listed rates are current]

Term	APR as low as	Payment as low as (per $1,000 borrowed)
Up to 36 months	4.49%	$29.74
37 to 48 months	4.99%	$23.02
49 to 60 months	5.24%	$18.98
61 to 72 months	5.49%	$16.33
73 to 84 months	5.49%	$14.37
85 to 96 months	5.99%	$13.14

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.

Current Member Application

New Member Application

Explore More Auto Rates

Become a Dealer Partner

RV Loans [non-rebate]

Effective June 18, 2026 [listed rates are current]

Term	APR as low as	Payment as low as (per $1,000 borrowed)
Up to 36 months	5.49%	$30.19
37 to 48 months	5.99%	$23.48
49 to 60 months	6.24%	$19.44
61 to 72 months	6.49%	$16.81
73 to 84 months	6.49%	$14.84
85 to 120 months	7.24%	$11.73
121 to 180 months	7.74%	$9.41

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.

Current Member Application

New Member Application

Discover More RV Rates

Become a Dealer Partner

SMART LENDING TECHNOLOGY

Powering more efficient deals.

Less manual work. Fewer delays. More connected experiences. Next-generation tools help dealers move from pre-approval to funding faster while giving members a smoother path to the right vehicle.

Become a Partner

Submit deals through the platform your team already uses every day. No new process to learn—simply submit applications, receive decisions, and manage deals within your existing workflow.

RouteOne e-contracting simplifies the process by allowing deals to be completed and submitted electronically, reducing paperwork and helping speed funding.

Coming Soon! Dealertrack Digital Contracting is planned for a future release, bringing the same streamlined process to Dealertrack.

Keep deals moving after hours. Our indirect lending team is available late nights and Saturdays, giving you access to real decision-makers when you need them. Whether you have a funding question, need deal structure guidance, or are looking for an exception, we're just a phone call or email away at 989-832-4842 or indirect@dowcreditunion.org.

Get accurate payoff amounts without the back-and-forth. Dealertrack supports live payoff information instantly, helping you structure deals faster and with greater confidence.

Coming soon! RouteOne and CUDL integrations will be released at a future date.

Put your inventory in front of more qualified buyers. Dow Credit Union members can browse your dealership inventory directly from our website, and participating dealers also gain additional visibility through CUDL's AutoSMART marketplace, helping drive more traffic to your lot.

View Inventory Website

Coming soon! Need to restructure a payment, change terms, or swap vehicles? Deal Refresh in RouteOne and Deal Update in Dealertrack will let you update existing deals without starting from scratch, saving time and reducing duplicate work.

Get up and running quickly. Our onboarding process is completed entirely through DocuSign, allowing agreements and required documents to be signed electronically so your dealership can begin submitting deals sooner.

Coming soon to RouteOne, Dealertrack, and CUDL! Easily identify Dow Credit Union members who are already pre-approved for financing, reducing financing delays and helping your sales team move customers from shopping to signing even faster.

DEALERSHIP LENDING TEAM

Meet your team of experts.

Our local dealership team stands by your side from application to closing, offering personalized guidance, responsive service, and the confidence of having a trusted partner throughout your journey.