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At Dow Credit Union, approvals, funding, and rates have your back—just like Zach!
Where Financing Turns to Funding
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.
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.
Dedicated Team
Your contact, Zach Felty, delivers industry insights, policy and program updates, regulatory reminders, and product information—so you’re always informed and ready.
Where Wow-worthy Rates Close Deals
Auto Loans [non-rebate]
| 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.
RV Loans [non-rebate]
| 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.
Where Over 100 Dealers Find Trust
Where Next-Gen Upgrades Take Shape
Enhanced Credit Decisioning
Leverage automation to streamline credit decisioning—reducing manual steps and helping move approvals forward faster.
Compliant Digital Contracts
Go paperless with secure digital contracts that minimize errors, support compliance, and move deals through funding more efficiently.
Faster Funding & Financing
Automate documentation and funding workflows to reduce bottlenecks and keep deals moving forward without unnecessary delays.
Expanded Inventory Visibility
Highlight in-stock vehicles across a network—give members more options while keeping your inventory front and center.
Real-time Payoff Information
Access accurate loan payoff data instantly, eliminating delays and removing uncertainty during the deal process.
Automation and Integration
Accelerate pre-approvals via automation also allowing DMS/CRM integration.